ID mortgage rates

Latah County

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

Latah 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 Latah 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 Latah

A local view of the market.

Latah County, ID, has a strong real estate market, with median home values around $489,000 in 2024. Its college-town atmosphere and outdoor appeal attract families, students, and retirees in northern Idaho. Moscow is the county seat and largest city, with a population of about 25,000, offering shops, dining, and events. Other smaller communities, like Potlatch, add rural appeal. Latah County has a suburban-urban mix, with an economy based on education, healthcare, and agriculture. The University of Idaho, parks, and trails make it popular among families, students, and nature enthusiasts.

County snapshot

Market context.

ID

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

Market areaMoscowMapped market area
Area code34140CBSA / MSA reference
Featured communityMoscowFrom the county record
Data year2026Aligned with this limit record
Moscow
Top cities & communities

Communities to explore.

Moscow
Questions & Answers

Refinancing in Latah County

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

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