ID mortgage rates

Ada County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Ada County, Idaho. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Ada County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$586,500
2 units$750,800
3 units$907,550
4 units$1,127,900

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Ada County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Ada

A local view of the market.

Ada County, Idaho, has a dynamic real estate market with a median listing home price of $589,000 as of October 2024, reflecting a 2.4% increase from the previous year. The median home sold price was slightly lower at $490,900, indicating a competitive market environment. This growth trend highlights the county's appeal and the demand for housing in the area. The top cities in Ada County include Boise, Meridian, and Eagle. Boise, the county seat and largest city, has a population of approximately 250,060, making up 44.8% of the county's total population. Meridian follows with a population of around 142,830, while Eagle has about 36,300 residents. These cities are central to the county's economic and cultural life. Living in Ada County offers a mix of suburban and rural experiences. While urban areas like Boise provide a bustling suburban lifestyle, the county also features rural landscapes that support agriculture and farming. However, urban sprawl has led to a decline in farmland, with development increasingly encroaching on rural areas. Despite these changes, agriculture remains an important part of the local economy, contributing significantly to the region's character.

County snapshot

Market context.

ID

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaBoise CityMapped market area
Area code14260CBSA / MSA reference
Featured communitiesKuna · Boise · EagleFrom the county record
Data year2026Aligned with this limit record
KunaBoiseEagle
Top cities & communities

Communities to explore.

KunaBoiseEagleMeridian
Questions & Answers

Refinancing in Ada County

Common questions about 2026 loan limits and refinancing opportunities in Idaho.

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