ID mortgage rates

Benewah County

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

Benewah 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 Benewah 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 Benewah

A local view of the market.

Benewah County, ID, has a modest real estate market, with median home values around $445,000 as of 2024. Its forested landscapes and rural charm attract families and retirees looking for affordable living in northern Idaho. St. Maries, the county seat, has a population of about 2,400, providing essential services, shops, and a close-knit community. Smaller towns and rural areas contribute to the county’s appeal. Benewah County is largely rural, with an economy based on forestry, agriculture, and manufacturing. The county’s rivers, lakes, and forested areas are popular among outdoor enthusiasts and those seeking a quiet lifestyle.

Questions & Answers

Refinancing in Benewah County

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

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