ID mortgage rates

Bannock County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Bannock 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

Bannock 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$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

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

About Bannock

A local view of the market.

Bannock County, ID, has a stable real estate market, with median home values around $399,000 as of 2024. Its affordability and suburban amenities make it popular among families and young professionals in southeastern Idaho. Pocatello is the county seat and largest city, with a population of about 57,000, offering shops, dining, and cultural events. Chubbuck is a growing suburb with a family-friendly atmosphere. Bannock County offers a suburban-rural mix, with an economy centered on education, healthcare, and manufacturing. The area’s parks, trails, and Idaho State University contribute to its appeal for families and students.

County snapshot

Market context.

ID

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

Market areaPocatelloMapped market area
Area code38540CBSA / MSA reference
Featured communityPocatelloFrom the county record
Data year2026Aligned with this limit record
Pocatello
Top cities & communities

Communities to explore.

Pocatello
Questions & Answers

Refinancing in Bannock County

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

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