ID mortgage rates

Clark County

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

Clark 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 Clark 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 Clark

A local view of the market.

Clark County, ID, has a small and affordable real estate market, with median home values around $250,000 in 2024. Known for its remote, rural setting, it attracts those seeking solitude and a traditional lifestyle in eastern Idaho. Dubois is the county seat, with a population of around 600, offering basic services and a tight-knit community. The rural areas provide additional seclusion. Clark County is highly rural, with an economy based on agriculture and small businesses. Its open landscapes, farmlands, and quiet surroundings appeal to residents looking for a peaceful, isolated lifestyle.

Questions & Answers

Refinancing in Clark County

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

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