Qualifying for a USDA loan in Idaho

My state-specific information

Eligibility Requirements – Idaho

There’s never been a better time to buy a house in Idaho. For a family of 1-4 in Idaho, the average household income limit is about $119,850, and can be as high as $164,750 for families of 5 or more. Curious to learn more? Feel free to contact one of our USDA loan specialists to get started.

The map below shows the areas of Idaho eligible for USDA loans. For more information on what properties qualify, head to the USDA property eligibility screen.

Idaho USDA Income Limits (Moderate Income – Guaranteed Loan)

Most areas of Idaho follow the standard USDA income limit. Select metro areas have slightly higher limits due to local housing costs.

Area 1–4 Person 5+ Person
Standard Idaho Limit (Most Counties & MSAs) $119,850 $158,250
Boise City, ID HUD Metro FMR Area $123,050 $162,450
Logan, UT-ID MSA (Idaho Portion) $124,350 $164,150
Teton County, ID $124,800 $164,750

USDA income limits in Idaho are based on total household income and household size. This includes income from all adult household members, not just the borrower.

If your total qualifying household income is within the limit for your area and household size, you may be eligible for a USDA Guaranteed loan with 100% financing (no down payment required).

Check Your Idaho USDA Eligibility

USDA loans are available in eligible rural and suburban areas throughout Idaho. We can quickly:

  • Verify your household income eligibility
  • Confirm the property is in a USDA-eligible location
  • Provide a fast payment estimate and next steps


Get Pre-Qualified


or request a quick eligibility review.

Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on verified household income, household size, and USDA program guidelines.

USDA income limits are based on total household income (all adult household members), not just the borrower.

USDA income limits in Idaho vary by county and household size. Most areas of the state follow the standard income limit, while certain metro areas such as Boise and parts of eastern Idaho have slightly higher limits.

Income limits are based on the total household income for all adult occupants who will live in the home not just the individuals listed on the loan application.

If you’re unsure which income limit applies to your county or whether your household income qualifies, complete a quick USDA prequalification and we’ll review your eligibility for you.

  • NO down payment – Finance 100% of your home
  • NO maximum loan amount in Idaho.
  • NO assets needed to qualify
  • Flexible credit guidelines
  • Competitive, fixed interest rates so payments do not increase
  • USDA Loans are for new and existing properties

Start your Idaho USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.

What areas are eligible?

USDA Eligibility Map – Idaho