FHA Loan Limit in Boise Remains Unchanged at $586,500 in 2025

Published:

December 16, 2019

Last updated:

December 2, 2024

Sammamish Mortgage

3 min read

In This Article

FHA loan limits remain unchanged for 2025 in Boise, though most other counties in the nation have increased FHA loan limits. What are the new loan limits, and how could they affect your home buying process?

Federal housing officials announced in December 2024 that FHA loan limits for most counties in the country would be increased in 2025. This is good news for borrowers who are considering using this loan program to purchase a home in 2025. But FHA loan limits in Boise have not been changed.

2025 FHA Loan Limit for Boise Area: $586,500

In the Boise area, the FHA loan limit for a single-family home will remain at $586,500 in 2025. This number applies to all of Ada, Boise, Canyon, and Gem counties, as outlined in the chart below:

County Name	1 Unit	2 Units	3 Units	4 Units
ADA	$586,500	$750,800	$907,550	$1,127,900
BOISE	$586,500	$750,800	$907,550	$1,127,900
CANYON	$586,500	$750,800	$907,550	$1,127,900
GEM	$586,500	$750,800	$907,550	$1,127,900
OWYHEE	$586,500	$750,800	$907,550	$1,127,900

These four counties will have higher loan limits than most of the centers in the state because of higher home values across the Boise area. Most other counties in Idaho will have lower limits than Boise in 2025, with the exception of the following counties: Blaine, Camas, and Teton (see chart below).

County Name	1 Unit	2 Units	3 Units	4 Units
BLAINE	$759,000	$971,650	$1,174,500	$1,459,650
CAMAS	$759,000	$971,650	$1,174,500	$1,459,650
TETON	$1,209,750	$1,548,975	$1,872,225	$2,326,875

FHA loan limits went up for most counties in Idaho.

The new limits will apply to FHA loans as of January 1, 2025, and they will remain unchanged until the end of the year. (These loan limits are generally revisited at the end of every year and modified when increasing home prices warrant it.)

As of December 2024, the median home value in Boise was $478,245, which is lower than the new FHA loan limit for 2025.

Check out our mortgage loan limit tool for conventional, FHA, and VA loans, as well as the 2025 FHA loan limits for Idaho.

Idaho Mortgage Dec, 21, Sat, 2024

Fast Facts: How This Mortgage Program Works

We’ve written plenty about the FHA loan program over the years. Here’s a brief recap of the important points from those other articles:

The Federal Housing Administration FHA) insures FHA home loans against losses from loan defaults. Although this insurance policy is designed to protect lenders that issues these loans, it also allows for flexible eligibility requirements for borrowers.
FHA loans require a minimum down payment of 3.5%. This is an attractive feature for borrowers who have limited funds to work with, particularly first-time homebuyers. That said, this program is not limited only to this demographic of buyers.
The FHA loan program requires mortgage insurance premiums to be paid by borrowers. Conventional (non-FHA) mortgages also require mortgage insurance with low down payment amounts, these insurance premiums can be canceled when a certain equity level has been reached. On the other hand, the annual insurance premium for FHA loans must be paid over the entire life of the loan.
The Federal Housing Administration (FHA) has mandated limits on the loans it can insure, which vary by county and are looked at annually in relation to housing prices.

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At Sammamish Mortgage, we offer a wide variety of mortgage programs and tools with flexible qualification criteria, including our Diamond Homebuyer Program, Cash Buyer Program, and Bridge Loans. We have been serving the entire state since 1992, as well as the broader Pacific Northwest region that includes Washington, Oregon, Colorado, and Idaho. Please contact us today with any financing-related questions you have.