2026 Mortgage Loan Limits for Bonner County, Idaho
Bonner County Loan Limits History
See how mortgage loan limits in this area have evolved over time. This historical chart shows conventional, FHA, VA, and USDA limits for 1-4 unit properties.
Bonner County Loan Limits: Complete Historical Table
Browse the full historical data for Bonner County mortgage loan limits from 1972 to 2026. This comprehensive table shows how loan limits have changed over 50+ years, helping you understand long-term trends in your local housing market.
| Year | Conventional | FHA | VA | USDA |
|---|---|---|---|---|
| 2026 | $832,750 | $541,275 | $832,750 | $433,020 |
| 2025 | $806,500 | $524,225 | $806,500 | $419,380 |
| 2024 | $766,550 | $523,250 | $766,550 | $418,600 |
| 2023 | $726,200 | $523,250 | $726,200 | $418,600 |
| 2022 | $647,200 | $427,800 | $647,200 | - |
| 2021 | $548,250 | $356,362 | $548,250 | - |
| 2020 | $510,400 | $331,760 | $510,400 | - |
| 2019 | $484,350 | $314,827 | $484,350 | - |
| 2018 | $453,100 | $294,515 | $453,100 | - |
| 2017 | $424,100 | $275,665 | $424,100 | - |
| 2016 | $417,000 | $271,050 | $417,000 | - |
| 2015 | $417,000 | $271,050 | $417,000 | - |
| 2014 | $417,000 | $271,050 | $417,000 | - |
| 2013 | $417,000 | $271,050 | $417,000 | - |
| 2012 | $417,000 | $271,050 | $417,000 | - |
| 2011 | $417,000 | $271,050 | $417,000 | - |
| 2010 | $417,000 | $271,050 | $417,000 | - |
| 2009 | $417,000 | $271,050 | $417,000 | - |
| 2008 | $417,000 | $200,160 | $417,000 | - |
Cities in Bonner County, Idaho
The following cities and communities are covered by Bonner County loan limits. Whether you're looking for mortgage loan limits in Blanchard, Clark Fork, Coolin or any other Bonner County city, the same conventional, FHA, VA, and USDA loan limits apply throughout the county.
Bonner County, Idaho Mortgage Market Analysis (2018-2024)
Explore borrowing and mortgage trends in Bonner County, including conventional vs. government loan performance, average loan sizes, and market share shifts. Data sourced from HMDA regulatory filings shows how local lending patterns evolve through changing market conditions.
Loan Count by Loan Type (Bonner County, Idaho)
Number of mortgage loans originated by loan type (Conventional, FHA, VA, USDA) in Bonner County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 1,395 | 591 | 629 | ▲6.43% |
| FHA | 124 | 64 | 56 | ▼-12.50% |
| VA | 205 | 64 | 99 | ▲54.69% |
| USDA | 5 | 0 | 1 | ▲0.00% |
Market Share by Loan Type (Bonner County, Idaho)
Market share percentage by loan type (Conventional, FHA, VA, USDA) in Bonner County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 80.68% | 82.20% | 80.13% | ▼-2.07% |
| FHA | 7.17% | 8.90% | 7.13% | ▼-1.77% |
| VA | 11.86% | 8.90% | 12.61% | ▲3.71% |
| USDA | 0.29% | 0.00% | 0.13% | ▲0.13% |
Average Loan-to-Value by Loan Type (Bonner County, Idaho)
Average loan-to-value ratio by loan type (Conventional, FHA, VA, USDA) in Bonner County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 67.40% | 61.30% | 61.10% | ▼-0.20% |
| FHA | 92.60% | 81.20% | 83.50% | ▲2.30% |
| VA | 93.50% | 79.20% | 92.40% | ▲13.20% |
| USDA | 99.00% | 0.00% | 84.60% | ▲84.60% |
