For the residents of Idaho, the USDA Loan Program is helping to make many of their dreams of home ownership become a reality. Backed by the United States Department of Agriculture and offering a practical alternative to the traditional home loan, advantages of these Idaho Rural Development Loans include:

  • 100% Financing up to the appraised value
  • NO private Idaho mortgage insurance
  • Flexible Idaho credit qualifications
  • No  Idaho loan amount limitations

Idaho Areas that Qualify for a USDA Loan

The problem that the USDA Loan program faces is the misnomer that it has something to do with agriculture. In truth, USDA Loans were simply created to help build many of the country’s less populated areas. This includes many Idaho communities that lie just outside of major metropolitan areas.

To qualify the community must:

  • Lie outside city limits
  • Have a population of less than 20,000 people.
Because of the diversity in Idaho communities that are USDA Loan eligible, you should never assume that your area does not qualify for a USDA Loan.  The experts here at Consumer Real Estate Finance Co. are here to help. For more information, please fill out the application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

Idaho’s USDA Loan Income Limits By County

When applying for a USDA or Rural Development Loan, Idaho Residents must meet USDA Eligibility by income. If the property is located within an eligible area, your income cannot exceed the current yearly income limit set for that county.

Quick Scroll
STATE:IDAHO PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Boise City, ID HUD Metro FMR Area
VERY LOW INCOME 24650 28150 31650 35150 38000 40800 43600 46400
Apply Now LOW INCOME 39400 45000 50650 56250 60750 65250 69750 74250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Gem County, ID HUD Metro FMR Area
VERY LOW INCOME 19950 22800 25650 28500 30800 33100 35350 37650
Apply Now LOW INCOME 31900 36500 41050 45600 49250 52900 56550 60200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Coeur d'Alene, ID MSA
VERY LOW INCOME 22050 25200 28350 31450 34000 36500 39000 41550
Apply Now LOW INCOME 35200 40250 45250 50300 54300 58350 62350 66400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Butte County, ID HUD Metro FMR Area
VERY LOW INCOME 19950 22800 25650 28500 30800 33100 35350 37650
Apply Now LOW INCOME 31900 36500 41050 45600 49250 52900 56550 60200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Idaho Falls, ID HUD Metro FMR Area
VERY LOW INCOME 21800 24900 28000 31100 33600 36100 38600 41100
Apply Now LOW INCOME 34850 39800 44800 49750 53750 57700 61700 65650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lewiston, ID-WA MSA
VERY LOW INCOME 22050 25200 28350 31450 34000 36500 39000 41550
Apply Now LOW INCOME 35200 40250 45250 50300 54300 58350 62350 66400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Logan, UT-ID MSA
VERY LOW INCOME 24900 28450 32000 35550 38400 41250 44100 46950
Apply Now LOW INCOME 39850 45500 51200 56900 61450 66000 70550 75100
MOD.INC-GUAR.LOAN 84250 84250 84250 84250 111200 111200 111200 111200
Pocatello, ID MSA
VERY LOW INCOME 21100 24100 27100 30100 32550 34950 37350 39750
Apply Now LOW INCOME 33700 38500 43350 48150 52000 55850 59700 63550
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Adams County, ID
VERY LOW INCOME 19950 22800 25650 28500 30800 33100 35350 37650
Apply Now LOW INCOME 31900 36500 41050 45600 49250 52900 56550 60200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Bear Lake County, ID
VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
Apply Now LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Benewah County, ID
VERY LOW INCOME 19950 22800 25650 28500 30800 33100 35350 37650
Apply Now LOW INCOME 31900 36500 41050 45600 49250 52900 56550 60200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Bingham County, ID
VERY LOW INCOME 21950 25050 28200 31300 33850 36350 38850 41350
Apply Now LOW INCOME 35050 40100 45100 50100 54100 58100 62100 66150
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Blaine County, ID
VERY LOW INCOME 28250 32250 36300 40300 43550 46750 50000 53200
Apply Now LOW INCOME 45150 51600 58050 64500 69650 74800 80000 85150
MOD.INC-GUAR.LOAN 92700 92700 92700 92700 122350 122350 122350 122350
Bonner County, ID
VERY LOW INCOME 19950 22800 25650 28500 30800 33100 35350 37650
Apply Now LOW INCOME 31900 36500 41050 45600 49250 52900 56550 60200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Boundary County, ID
VERY LOW INCOME 19950 22800 25650 28500 30800 33100 35350 37650
Apply Now LOW INCOME 31900 36500 41050 45600 49250 52900 56550 60200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Camas County, ID
VERY LOW INCOME 19950 22800 25650 28500 30800 33100 35350 37650
Apply Now LOW INCOME 31900 36500 41050 45600 49250 52900 56550 60200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Caribou County, ID
VERY LOW INCOME 24750 28300 31850 35350 38200 41050 43850 46700
Apply Now LOW INCOME 39600 45250 50900 56550 61050 65600 70100 74650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Cassia County, ID
VERY LOW INCOME 19950 22800 25650 28500 30800 33100 35350 37650
Apply Now LOW INCOME 31900 36500 41050 45600 49250 52900 56550 60200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Clark County, ID
VERY LOW INCOME 19950 22800 25650 28500 30800 33100 35350 37650
Apply Now LOW INCOME 31900 36500 41050 45600 49250 52900 56550 60200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Clearwater County, ID
VERY LOW INCOME 19950 22800 25650 28500 30800 33100 35350 37650
Apply Now LOW INCOME 31900 36500 41050 45600 49250 52900 56550 60200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Custer County, ID
VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
Apply Now LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Elmore County, ID
VERY LOW INCOME 19950 22800 25650 28500 30800 33100 35350 37650
Apply Now LOW INCOME 31900 36500 41050 45600 49250 52900 56550 60200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Fremont County, ID
VERY LOW INCOME 20850 23800 26800 29750 32150 34550 36900 39300
Apply Now LOW INCOME 33300 38100 42850 47600 51400 55200 59000 62850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Gooding County, ID
VERY LOW INCOME 19950 22800 25650 28500 30800 33100 35350 37650
Apply Now LOW INCOME 31900 36500 41050 45600 49250 52900 56550 60200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Idaho County, ID
VERY LOW INCOME 19950 22800 25650 28500 30800 33100 35350 37650
Apply Now LOW INCOME 31900 36500 41050 45600 49250 52900 56550 60200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Jerome County, ID
VERY LOW INCOME 19950 22800 25650 28500 30800 33100 35350 37650
Apply Now LOW INCOME 31900 36500 41050 45600 49250 52900 56550 60200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Latah County, ID
VERY LOW INCOME 23650 27000 30400 33750 36450 39150 41850 44550
Apply Now LOW INCOME 37800 43200 48600 54000 58300 62650 66950 71300
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lemhi County, ID
VERY LOW INCOME 19950 22800 25650 28500 30800 33100 35350 37650
Apply Now LOW INCOME 31900 36500 41050 45600 49250 52900 56550 60200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lewis County, ID
VERY LOW INCOME 19950 22800 25650 28500 30800 33100 35350 37650
Apply Now LOW INCOME 31900 36500 41050 45600 49250 52900 56550 60200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lincoln County, ID
VERY LOW INCOME 19950 22800 25650 28500 30800 33100 35350 37650
Apply Now LOW INCOME 31900 36500 41050 45600 49250 52900 56550 60200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Madison County, ID
VERY LOW INCOME 19950 22800 25650 28500 30800 33100 35350 37650
Apply Now LOW INCOME 31900 36500 41050 45600 49250 52900 56550 60200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Minidoka County, ID
VERY LOW INCOME 19950 22800 25650 28500 30800 33100 35350 37650
Apply Now LOW INCOME 31900 36500 41050 45600 49250 52900 56550 60200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Oneida County, ID
VERY LOW INCOME 20000 22850 25700 28550 30850 33150 35450 37700
Apply Now LOW INCOME 32000 36550 41150 45700 49350 53000 56650 60300
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Payette County, ID
VERY LOW INCOME 19950 22800 25650 28500 30800 33100 35350 37650
Apply Now LOW INCOME 31900 36500 41050 45600 49250 52900 56550 60200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Power County, ID
VERY LOW INCOME 20100 23000 25850 28700 31000 33300 35600 37900
Apply Now LOW INCOME 32150 36700 41300 45900 49550 53250 56900 60600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Shoshone County, ID
VERY LOW INCOME 19950 22800 25650 28500 30800 33100 35350 37650
Apply Now LOW INCOME 31900 36500 41050 45600 49250 52900 56550 60200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Teton County, ID
VERY LOW INCOME 23800 27200 30600 34000 36750 39450 42200 44900
Apply Now LOW INCOME 38100 43500 48950 54400 58750 63100 67450 71800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Twin Falls County, ID
VERY LOW INCOME 20800 23750 26700 29650 32050 34400 36800 39150
Apply Now LOW INCOME 33200 37950 42700 47450 51250 55050 58850 62650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Valley County, ID
VERY LOW INCOME 23350 26650 30000 33300 36000 38650 41300 44000
Apply Now LOW INCOME 37300 42650 47950 53300 57550 61850 66100 70350
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Washington County, ID
VERY LOW INCOME 19950 22800 25650 28500 30800 33100 35350 37650
Apply Now LOW INCOME 31900 36500 41050 45600 49250 52900 56550 60200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150

 

Looking for more information? Learn more about Rural Development Loans in Idaho by contacting Consumer Real Estate Finance Co. today!