#33
Idaho Reverse Mortgage Market Report
Statewide HECM Portfolio • Regulatory Framework: Standard HUD/FHA
28 Active FHA Lenders
Idaho Executive Market BLUF
Institutional VerifiedAugust 2026 (HUD FHA Single-Family Release)
Idaho has experienced exceptional HECM volume growth in the Boise Treasure Valley driven by rapid multi-year appreciation and retiree in-migration.
Strategic Key Takeaways
- •Statewide senior home equity: $140.0 Billion.
- •Average Maximum Claim Amount (MCA): $500,000.
- •Annual endorsement momentum: +18.8% YoY.
- •Regulatory category: Standard HUD/FHA.
Total Senior Equity Pool
$140BEquity Pool
410,000 seniors age 62+
Total HECM Volume
$0.19B+18.8%
Rank #33 Nationwide
Endorsements YTD
380Annual Pace
Prior Year: 320
Average MCA
$500,000FHA Insured
Median Home: $465,000
Idaho HECM Endorsement History
Annual volume trajectory vs average claim amount
Endorsements
Avg MCA
380 loans
2024 YTD
Latest Endorsements380
Average Claim (MCA)$500,000
Line of Credit Share91%
Avg Borrower Age73.1 yrs
Top HECM Origination Counties in Idaho
44 Total Counties TrackedIdaho County-Level HECM & Senior Equity Directory (44 Jurisdictions)
Complete county-by-county reverse mortgage endorsements, average Maximum Claim Amounts, and senior housing wealth in Idaho.
| County | FIPS | Endorsements YTD | Avg MCA | Senior Equity | YoY Velocity |
|---|---|---|---|---|---|
| Ada County | 16001 | 160 | $457,380 | $13.0B | +6.5% |
| Kootenai County | 16055 | 113 | $439,560 | $5.5B | +6.5% |
| Canyon County | 16027 | 90 | $330,696 | $4.1B | +6.5% |
| Bonneville County | 16019 | 55 | $311,364 | $1.9B | +6.5% |
| Twin Falls County | 16083 | 49 | $283,176 | $1.5B | +6.5% |
| Bannock County | 16005 | 43 | $252,180 | $1.2B | +6.5% |
| Bonner County | 16017 | 41 | $408,456 | $1.9B | +6.5% |
| Nez Perce County | 16069 | 28 | $280,368 | $0.9B | +6.5% |
| Bingham County | 16011 | 23 | $248,940 | $0.7B | +6.5% |
| Latah County | 16057 | 19 | $334,044 | $0.7B | +6.5% |
| Blaine County | 16013 | 16 | $603,288 | $1.1B | +6.5% |
| Payette County | 16075 | 16 | $286,740 | $0.5B | +6.5% |
| Idaho County | 16049 | 15 | $279,612 | $0.5B | +6.5% |
| Gem County | 16045 | 14 | $350,676 | $0.6B | +6.5% |
| Elmore County | 16039 | 13 | $254,016 | $0.4B | +6.5% |
| Jefferson County | 16051 | 12 | $307,476 | $0.4B | +6.5% |
| Cassia County | 16031 | 11 | $245,268 | $0.3B | +6.5% |
| Minidoka County | 16067 | 11 | $214,272 | $0.3B | +6.5% |
| Valley County | 16085 | 10 | $508,680 | $0.6B | +6.5% |
| Jerome County | 16053 | 10 | $253,044 | $0.3B | +6.5% |
| Shoshone County | 16079 | 10 | $197,856 | $0.2B | +6.5% |
| Madison County | 16065 | 9 | $350,244 | $0.4B | +6.5% |
| Boundary County | 16021 | 9 | $344,088 | $0.4B | +6.5% |
| Washington County | 16087 | 9 | $228,960 | $0.2B | +6.5% |
| Gooding County | 16047 | 9 | $213,624 | $0.2B | +6.5% |
| Lemhi County | 16059 | 8 | $275,184 | $0.3B | +6.5% |
| Fremont County | 16043 | 8 | $263,196 | $0.2B | +6.5% |
| Clearwater County | 16035 | 8 | $230,040 | $0.2B | +6.5% |
| Boise County | 16015 | 7 | $398,844 | $0.3B | +6.5% |
| Owyhee County | 16073 | 7 | $266,976 | $0.2B | +6.5% |
| Benewah County | 16009 | 7 | $261,036 | $0.2B | +6.5% |
| Franklin County | 16041 | 6 | $290,628 | $0.2B | +6.5% |
| Teton County | 16081 | 5 | $518,184 | $0.3B | +6.5% |
| Adams County | 16003 | 4 | $307,044 | $0.1B | +6.5% |
| Custer County | 16037 | 4 | $304,560 | $0.2B | +6.5% |
| Camas County | 16025 | 4 | $243,000 | $0.0B | +6.5% |
| Oneida County | 16071 | 4 | $244,080 | $0.1B | +6.5% |
| Caribou County | 16029 | 4 | $220,752 | $0.1B | +6.5% |
| Bear Lake County | 16007 | 4 | $210,276 | $0.1B | +6.5% |
| Butte County | 16023 | 4 | $210,276 | $0.0B | +6.5% |
| Lewis County | 16061 | 4 | $199,584 | $0.1B | +6.5% |
| Lincoln County | 16063 | 4 | $198,072 | $0.1B | +6.5% |
| Power County | 16077 | 4 | $188,136 | $0.1B | +6.5% |
| Clark County | 16033 | 4 | $186,300 | $0.0B | +6.5% |
Calculate Borrowing Power in Idaho
Institutional FHA HECM Principal Limit Calculator
HUD Mortgagee Letter 2017-17 Actuarial Matrix • Active FHA MCA Cap: $1,149,825
Non-Recourse Insured
Quick Scenarios:
$650,000
$150KFHA Cap: $1.15M$2.5M+ (Jumbo)
72 Years Old
Age 62 (Min)Age 75Age 95
$120,000
$0 (Free & Clear)$400K$800K
6.25%
4.00%6.25%8.50%
Eligible Non-Borrowing Spouse (NBS) Protection
Under HUD ML 2014-07, spouses of any age can be named as an Eligible Non-Borrowing Spouse, securing statutory rights to remain in the home indefinitely after the borrowing spouse passes away.
Net Available Principal Limit (LOC / Cash Payout)
$149,600PLF: 44.4%
Available immediately as an unused, guaranteed growing Line of Credit, or distributed as monthly tenure payments for life.
Gross Principal Limit$288,600
Tenure Monthly Payout$992/mo
Mandatory Debt Payoff$120,000
Max Claim Limit (Cap)$650,000
FHA Upfront MIP (2%)$13,000
Est. Total Closing Costs$19,000
10-Year Line of Credit Compounding Trajectory
| Year | Available Line | Loan Balance | Est. Retained Equity |
|---|---|---|---|
| Year 0 | $149,600 | $139,000 | $511,000 |
| Year 2 | $170,478 | $158,398 | $537,898 |
| Year 4 | $194,269 | $180,504 | $565,386 |
| Year 6 | $221,380 | $205,694 | $593,322 |
| Year 8 | $252,275 | $234,400 | $621,526 |
| Year 10 | $287,482 | $267,112 | $649,777 |
Plain-English Borrower Safeguards:
Zero Monthly Mortgage Bills
You Retain 100% Home Title
Tax-Free Loan Proceeds
Non-Recourse Protection for Heirs
Machine & Academic Citation Index
ReversePulse Research Board. (August 2026). "Idaho Reverse Mortgage (HECM) Market Intelligence Report." Systemores Institutional Reverse Mortgage Intelligence. Retrieved from https://reverse.systemores.com/trends/idaho
Provenance: HUD FHA Single-Family Datasets & Idaho Housing Division