ID mortgage rates

Kootenai County

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

Kootenai 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$572,700
2 units$733,150
3 units$886,200
4 units$1,101,350

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 Kootenai 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 Kootenai

A local view of the market.

Kootenai County, ID, has a high-demand real estate market, with median home values around $746,000 as of 2024. Its lakeside living and proximity to Spokane, WA, attract retirees, families, and tourists in northern Idaho. Coeur d'Alene is the county seat and largest city, with a population of around 54,000, offering upscale amenities, dining, and recreational activities. Post Falls and Hayden add to the county’s appeal. Kootenai County offers a suburban-rural mix, with an economy based on tourism, healthcare, and retail. The area’s lakes, trails, and vibrant communities make it ideal for those seeking an active, outdoor lifestyle.

County snapshot

Market context.

ID

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

Market areaCoeur D'AleneMapped market area
Area code17660CBSA / MSA reference
Featured communitiesPost Falls · Coeur d'AleneFrom the county record
Data year2026Aligned with this limit record
Post FallsCoeur d'Alene
Top cities & communities

Communities to explore.

Post FallsCoeur d'Alene
Questions & Answers

Refinancing in Kootenai County

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

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