Conforming Loan Limits For Idaho In 2023

One-Unit is a single family home or condominium

Two-Unit is two separate living units (duplex)

Three-Unit three separate living units (triplex)

Four-Unit four separate living units (fourplex)

The 2023 conforming loan limits for counties across the Gem State are below. Knowing these limits will prepare you to navigate the mortgage market with confidence, knowing whether your loan will fit within the standard lending cap or if you’ll be venturing into the realm of a jumbo mortgage loan.

For most Idaho counties, the 1-unit (think single-family homes) Idaho conforming loan limit has climbed to an impressive $726,200 this year, marking a significant rise from last year’s figures. But that’s not all – certain high-cost areas in Idaho are setting the bar even higher! Get ready for a deep dive into the specific limits for these areas: Blaine and Camas counties boast an elevated limit of $740,600, while Teton County stands out with a staggering 2023 cap of $1,089,300. Whether you’re buying your first home or upgrading to a luxury property, understanding these limits is key to your home-buying journey. For more details about conforming loans go to our page Idaho conforming home loans.

2023 Conforming Loan Limits For Idaho Counties Table

County Name	1 Unit	2 Units	3 Units	4 Units
ADA	$726,200	$929,850	$1,123,900	$1,396,800
ADAMS	$726,200	$929,850	$1,123,900	$1,396,800
BANNOCK	$726,200	$929,850	$1,123,900	$1,396,800
BEAR LAKE	$726,200	$929,850	$1,123,900	$1,396,800
BENEWAH	$726,200	$929,850	$1,123,900	$1,396,800
BINGHAM	$726,200	$929,850	$1,123,900	$1,396,800
BLAINE	$740,600	$948,100	$1,146,050	$1,424,250
BOISE	$726,200	$929,850	$1,123,900	$1,396,800
BONNER	$726,200	$929,850	$1,123,900	$1,396,800
BONNEVILLE	$726,200	$929,850	$1,123,900	$1,396,800
BOUNDARY	$726,200	$929,850	$1,123,900	$1,396,800
BUTTE	$726,200	$929,850	$1,123,900	$1,396,800
CAMAS	$740,600	$948,100	$1,146,050	$1,424,250
CANYON	$726,200	$929,850	$1,123,900	$1,396,800
CARIBOU	$726,200	$929,850	$1,123,900	$1,396,800
CASSIA	$726,200	$929,850	$1,123,900	$1,396,800
CLARK	$726,200	$929,850	$1,123,900	$1,396,800
CLEARWATER	$726,200	$929,850	$1,123,900	$1,396,800
CUSTER	$726,200	$929,850	$1,123,900	$1,396,800
ELMORE	$726,200	$929,850	$1,123,900	$1,396,800
FRANKLIN	$726,200	$929,850	$1,123,900	$1,396,800
FREMONT	$726,200	$929,850	$1,123,900	$1,396,800
GEM	$726,200	$929,850	$1,123,900	$1,396,800
GOODING	$726,200	$929,850	$1,123,900	$1,396,800
IDAHO	$726,200	$929,850	$1,123,900	$1,396,800
JEFFERSON	$726,200	$929,850	$1,123,900	$1,396,800
JEROME	$726,200	$929,850	$1,123,900	$1,396,800
KOOTENAI	$726,200	$929,850	$1,123,900	$1,396,800
LATAH	$726,200	$929,850	$1,123,900	$1,396,800
LEMHI	$726,200	$929,850	$1,123,900	$1,396,800
LEWIS	$726,200	$929,850	$1,123,900	$1,396,800
LINCOLN	$726,200	$929,850	$1,123,900	$1,396,800
MADISON	$726,200	$929,850	$1,123,900	$1,396,800
MINIDOKA	$726,200	$929,850	$1,123,900	$1,396,800
NEZ PERCE	$726,200	$929,850	$1,123,900	$1,396,800
ONEIDA	$726,200	$929,850	$1,123,900	$1,396,800
OWYHEE	$726,200	$929,850	$1,123,900	$1,396,800
PAYETTE	$726,200	$929,850	$1,123,900	$1,396,800
POWER	$726,200	$929,850	$1,123,900	$1,396,800
SHOSHONE	$726,200	$929,850	$1,123,900	$1,396,800
TETON	$1,089,300	$1,394,775	$1,685,850	$2,095,200
TWIN FALLS	$726,200	$929,850	$1,123,900	$1,396,800
VALLEY	$726,200	$929,850	$1,123,900	$1,396,800
WASHINGTON	$726,200	$929,850	$1,123,900	$1,396,800

Idaho 2022 Conforming Mortgage Loan Limits By County Table

County Name	1-Unit	2-Units	3-Units	4-Units
ADA	$647,200	$828,700	$1,001,650	$1,244,850
ADAMS	$647,200	$828,700	$1,001,650	$1,244,850
BANNOCK	$647,200	$828,700	$1,001,650	$1,244,850
BEAR LAKE	$647,200	$828,700	$1,001,650	$1,244,850
BENEWAH	$647,200	$828,700	$1,001,650	$1,244,850
BINGHAM	$647,200	$828,700	$1,001,650	$1,244,850
BLAINE	$648,600	$830,300	$1,003,650	$1,247,300
BOISE	$647,200	$828,700	$1,001,650	$1,244,850
BONNER	$647,200	$828,700	$1,001,650	$1,244,850
BONNEVILLE	$647,200	$828,700	$1,001,650	$1,244,850
BOUNDARY	$647,200	$828,700	$1,001,650	$1,244,850
BUTTE	$647,200	$828,700	$1,001,650	$1,244,850
CAMAS	$648,600	$830,300	$1,003,650	$1,247,300
CANYON	$647,200	$828,700	$1,001,650	$1,244,850
CARIBOU	$647,200	$828,700	$1,001,650	$1,244,850
CASSIA	$647,200	$828,700	$1,001,650	$1,244,850
CLARK	$647,200	$828,700	$1,001,650	$1,244,850
CLEARWATER	$647,200	$828,700	$1,001,650	$1,244,850
CUSTER	$647,200	$828,700	$1,001,650	$1,244,850
ELMORE	$647,200	$828,700	$1,001,650	$1,244,850
FRANKLIN	$647,200	$828,700	$1,001,650	$1,244,850
FREMONT	$647,200	$828,700	$1,001,650	$1,244,850
GEM	$647,200	$828,700	$1,001,650	$1,244,850
GOODING	$647,200	$828,700	$1,001,650	$1,244,850
IDAHO	$647,200	$828,700	$1,001,650	$1,244,850
JEFFERSON	$647,200	$828,700	$1,001,650	$1,054,500
JEROME	$647,200	$828,700	$1,001,650	$1,054,500
KOOTENAI	$647,200	$828,700	$1,001,650	$1,054,500
LATAH	$647,200	$828,700	$1,001,650	$1,054,500
LEMHI	$647,200	$828,700	$1,001,650	$1,054,500
LEWIS	$647,200	$828,700	$1,001,650	$1,054,500
LINCOLN	$647,200	$828,700	$1,001,650	$1,202,925
MADISON	$647,200	$828,700	$1,001,650	$1,244,850
MINIDOKA	$647,200	$828,700	$1,001,650	$1,244,850
NEZ PERCE	$647,200	$828,700	$1,001,650	$1,244,850
ONEIDA	$647,200	$828,700	$1,001,650	$1,244,850
OWYHEE	$647,200	$828,700	$1,001,650	$1,244,850
PAYETTE	$647,200	$828,700	$1,001,650	$1,244,850
POWER	$647,200	$828,700	$1,001,650	$1,244,850
SHOSHONE	$647,200	$828,700	$1,001,650	$1,244,850
TETON	$970,800	$1,243,050	$1,502,475	$1,867,275
TWIN FALLS	$647,200	$828,700	$1,001,650	$1,244,850
VALLEY	$647,200	$828,700	$1,001,650	$1,244,850
WASHINGTON	$647,200	$828,700	$1,001,650	$1,244,850

Idaho 2021 Conforming Mortgage Loan Limits By County Table

County Name	1-Unit	2-Units	3-Units	4-Units
ADA	$548,250	$702,000	$848,500	$1,054,500
ADAMS	$548,250	$702,000	$848,500	$1,054,500
BANNOCK	$548,250	$702,000	$848,500	$1,054,500
BEAR LAKE	$548,250	$702,000	$848,500	$1,054,500
BENEWAH	$548,250	$702,000	$848,500	$1,054,500
BINGHAM	$548,250	$702,000	$848,500	$1,054,500
BLAINE	$625,500	$800,775	$967,950	$1,202,925
BOISE	$548,250	$702,000	$848,500	$1,054,500
BONNER	$548,250	$702,000	$848,500	$1,054,500
BONNEVILLE	$548,250	$702,000	$848,500	$1,054,500
BOUNDARY	$548,250	$702,000	$848,500	$1,054,500
BUTTE	$548,250	$702,000	$848,500	$1,054,500
CAMAS	$625,500	$800,775	$967,950	$1,202,925
CANYON	$548,250	$702,000	$848,500	$1,054,500
CARIBOU	$548,250	$702,000	$848,500	$1,054,500
CASSIA	$548,250	$702,000	$848,500	$1,054,500
CLARK	$548,250	$702,000	$848,500	$1,054,500
CLEARWATER	$548,250	$702,000	$848,500	$1,054,500
CUSTER	$548,250	$702,000	$848,500	$1,054,500
ELMORE	$548,250	$702,000	$848,500	$1,054,500
FRANKLIN	$548,250	$702,000	$848,500	$1,054,500
FREMONT	$548,250	$702,000	$848,500	$1,054,500
GEM	$548,250	$702,000	$848,500	$1,054,500
GOODING	$548,250	$702,000	$848,500	$1,054,500
IDAHO	$548,250	$702,000	$848,500	$1,054,500
JEFFERSON	$548,250	$702,000	$848,500	$1,054,500
JEROME	$548,250	$702,000	$848,500	$1,054,500
KOOTENAI	$548,250	$702,000	$848,500	$1,054,500
LATAH	$548,250	$702,000	$848,500	$1,054,500
LEMHI	$548,250	$702,000	$848,500	$1,054,500
LEWIS	$548,250	$702,000	$848,500	$1,054,500
LINCOLN	$625,500	$800,775	$967,950	$1,202,925
MADISON	$548,250	$702,000	$848,500	$1,054,500
MINIDOKA	$548,250	$702,000	$848,500	$1,054,500
NEZ PERCE	$548,250	$702,000	$848,500	$1,054,500
ONEIDA	$548,250	$702,000	$848,500	$1,054,500
OWYHEE	$548,250	$702,000	$848,500	$1,054,500
PAYETTE	$548,250	$702,000	$848,500	$1,054,500
POWER	$548,250	$702,000	$848,500	$1,054,500
SHOSHONE	$548,250	$702,000	$848,500	$1,054,500
TETON	$822,375	$1,053,000	$1,272,750	$1,581,750
TWIN FALLS	$548,250	$702,000	$848,500	$1,054,500
VALLEY	$548,250	$702,000	$848,500	$1,054,500
WASHINGTON	$548,250	$702,000	$848,500	$1,054,500