Idaho Housing Income Limits by County, Effective May 6, 2026
Idaho Housing publishes four different limits in one table, and they do not all take effect on the same date. Here is the whole thing, with the column you actually need called out.
The short answer
For the tax-exempt First Loan, the income limit depends on your county. It runs from $101,600 in Bannock and Bonneville to $143,160 in Teton for a one or two person household, and from $116,840 to $167,020 for three or more. Every other Idaho Housing loan product uses a single statewide figure of $170,000 instead. The county figures took effect on May 6, 2026.
The whole table
| County | Area | Income 1–2 | Income 3+ | Sales price | 80% AMI |
|---|---|---|---|---|---|
| Ada | Non-targeted | $110,700 | $127,305 | $613,662 | $86,640 |
| Adams | Targeted | $121,920 | $142,240 | $692,211 | $69,280 |
| Bannock | Non-targeted | $101,600 | $116,840 | $566,354 | $78,480 |
| Bear Lake | Targeted | $121,920 | $142,240 | $692,211 | $74,880 |
| Benewah | Targeted | $121,920 | $142,240 | $692,211 | $69,280 |
| Bingham | Targeted | $121,920 | $142,240 | $692,211 | $75,520 |
| Blaine | Non-targeted | $130,200 | $151,900 | $794,151 | $80,320 |
| Boise | Targeted | $132,840 | $154,980 | $750,031 | $86,640 |
| Bonner | Targeted | $121,920 | $142,240 | $692,211 | $69,280 |
| Bonneville | Non-targeted | $101,600 | $116,840 | $566,354 | $82,240 |
| Boundary | Targeted | $121,920 | $142,240 | $692,211 | $69,280 |
| Butte | Non-targeted | $103,734 | $119,295 | $566,354 | $82,240 |
| Camas | Non-targeted | $107,640 | $125,580 | $794,151 | $69,280 |
| Canyon | Targeted | $132,840 | $154,980 | $750,031 | $86,640 |
| Caribou | Non-targeted | $103,734 | $119,295 | $566,354 | $69,280 |
| Cassia | Targeted | $121,920 | $142,240 | $692,211 | $69,280 |
| Clark | Targeted | $121,920 | $142,240 | $692,211 | $69,280 |
| Clearwater | Targeted | $121,920 | $142,240 | $692,211 | $69,280 |
| Custer | Targeted | $121,920 | $142,240 | $692,211 | $69,280 |
| Elmore | Non-targeted | $103,734 | $119,295 | $566,354 | $69,280 |
| Franklin | Non-targeted | $106,300 | $122,245 | $566,354 | $82,720 |
| Fremont | Non-targeted | $103,734 | $119,295 | $566,354 | $69,280 |
| Gem | Targeted | $121,920 | $142,240 | $750,031 | $86,640 |
| Gooding | Targeted | $121,920 | $142,240 | $692,211 | $69,280 |
| Idaho | Targeted | $121,920 | $142,240 | $692,211 | $69,280 |
| Jefferson | Targeted | $121,920 | $142,240 | $692,211 | $82,240 |
| Jerome | Targeted | $121,920 | $142,240 | $692,211 | $65,920 |
| Kootenai | Targeted | $124,200 | $144,900 | $732,383 | $78,000 |
| Latah | Non-targeted | $102,554 | $117,938 | $566,354 | $76,480 |
| Lemhi | Targeted | $121,920 | $142,240 | $692,211 | $69,280 |
| Lewis | Targeted | $121,920 | $142,240 | $692,211 | $69,280 |
| Lincoln | Targeted | $121,920 | $142,240 | $970,629 | $69,280 |
| Madison | Non-targeted | $103,734 | $119,295 | $566,354 | $69,280 |
| Minidoka | Non-targeted | $103,734 | $119,295 | $566,354 | $69,280 |
| Nez Perce | Non-targeted | $102,174 | $117,501 | $566,354 | $69,680 |
| Oneida | Targeted | $121,920 | $142,240 | $692,211 | $71,600 |
| Owyhee | Targeted | $132,840 | $154,980 | $750,031 | $86,640 |
| Payette | Targeted | $121,920 | $142,240 | $692,211 | $69,280 |
| Power | Non-targeted | $103,734 | $119,295 | $566,354 | $69,280 |
| Shoshone | Targeted | $121,920 | $142,240 | $692,211 | $69,280 |
| Teton | Non-targeted | $143,160 | $167,020 | $794,151 | $92,880 |
| Twin Falls | Non-targeted | $102,294 | $117,639 | $566,354 | $65,920 |
| Valley | Non-targeted | $116,474 | $133,945 | $643,743 | $83,360 |
| Washington | Targeted | $121,920 | $142,240 | $692,211 | $69,280 |
The income and sales price columns are effective 5-6-26. The 80% AMI column is effective 5-18-25 (Fannie and Freddie). Every other Idaho Housing loan product uses one statewide figure of $170,000, effective 9-3-24.
Work out which column is yours first
This is the step people skip. If your loan is the tax-exempt First Loan, you use the county income columns and the county sales price limit. If it is any other Idaho Housing product, your limit is $170,000 and the county columns are irrelevant to you. If you are being tested against 80% of area median income for a conventional product, that is the fourth column, and it is much lower, from $65,920 to $92,880. Those four figures can all apply to the same buyer in the same county depending on the product, so the product comes first and the county second.
Targeted areas do two things at once
Twenty six of Idaho's forty four counties are designated targeted areas. In a targeted county the income limit is $121,920 for one or two people and $142,240 for three or more, and the first-time buyer requirement is waived, so a previous homeowner can still use the program. The eighteen non-targeted counties are Ada, Bannock, Blaine, Bonneville, Butte, Camas, Caribou, Elmore, Franklin, Fremont, Latah, Madison, Minidoka, Nez Perce, Power, Teton, Twin Falls and Valley. Ada is the one that matters most by volume, and it is not targeted, so Boise area buyers do have to meet the first-time test.
Teton and Lincoln are the two outliers
Teton carries the highest income limit in the state at $143,160 and $167,020, well above Ada's $110,700. Lincoln carries the highest sales price limit at $970,629, which is more than $176,000 above the next county and nearly double the statewide floor of $566,354. Neither is where most Idaho volume sits, but if you are buying in either one, do not assume the statewide pattern applies to you.
Why the effective dates matter
A page that says "Idaho's limits" without naming the column is wrong about a third of the time, because this one table carries three dates. The income and sales price figures are the freshest at 5-6-26. The 80% AMI column is nearly a year older. The all other products figure of $170,000 dates from 9-3-24 and has not moved since. When you compare a number you were quoted against a number you read somewhere, check they are from the same column and the same date before you conclude one is wrong.
Common questions
What is the income limit for Idaho Housing?
It depends on the product. The tax-exempt First Loan uses county limits that run from $101,600 to $143,160 for a one or two person household, and $116,840 to $167,020 for three or more. Every other Idaho Housing loan product uses one statewide figure of $170,000. The county figures took effect on May 6, 2026.
Which Idaho counties are targeted areas?
Twenty six of forty four. The eighteen that are not targeted are Ada, Bannock, Blaine, Bonneville, Butte, Camas, Caribou, Elmore, Franklin, Fremont, Latah, Madison, Minidoka, Nez Perce, Power, Teton, Twin Falls and Valley. In a targeted county the income limit is $121,920 for one or two people and the first-time buyer requirement is waived.
Do I have to be a first-time buyer to use Idaho Housing?
On the tax-exempt First Loan, generally yes, unless you are buying in a targeted county. Twenty six counties are targeted, and in those the first-time requirement does not apply. Other Idaho Housing products have their own rules, so ask us which one fits your file.
Which Idaho county has the highest income limit?
Teton, at $143,160 for a one or two person household and $167,020 for three or more. That is well above Ada county's $110,700.
What is the sales price limit for Idaho Housing?
It is set by county on the tax-exempt First Loan, from $566,354 up to $970,629 in Lincoln county. Ada county is $613,662. The sales price limit and the income limit both have to pass.
Want us to check your file against these limits?
Send us your county, household size and price target, and we will tell you which program you fit and what you would still need at closing. No obligation.