ID mortgage rates

Canyon County

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

Canyon 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 Canyon 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 Canyon

A local view of the market.

Canyon County, ID, has a growing real estate market, with median home values around $471,000 as of 2024. Its affordability and proximity to Boise make it popular among families and young professionals in southwestern Idaho. Caldwell is the county seat, with a population of around 63,000, providing shopping, dining, and community events. Nampa, the largest city, has over 100,000 residents, making it a suburban hub with many amenities. Canyon County offers a suburban-rural mix, with an economy focused on agriculture, manufacturing, and retail. The area’s wineries, parks, and family-friendly neighborhoods make it ideal for young families.

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 communitiesCaldwell · NampaFrom the county record
Data year2026Aligned with this limit record
CaldwellNampa
Top cities & communities

Communities to explore.

CaldwellNampa
Questions & Answers

Refinancing in Canyon County

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

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