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Homestead Exemption Laws in Idaho

Idaho protects up to $175,000 of homestead value, and the homestead may include land regardless of area.

Last checked . General information, not legal advice.

Idaho at a glance

Exemption amount
$175,000
Unlimited in value
No
Acreage limit
No acreage limit
The homestead may consist of lands regardless of area.

Sources

Last checked

The rules in Idaho

How much home equity does the homestead exemption protect in Idaho?

Exemption amount in Idaho: $175,000.

Is the homestead exemption unlimited in value in Idaho?

No. Unlimited in value in Idaho: no.

Is there an acreage limit on the homestead exemption in Idaho?

Acreage limit in Idaho: No acreage limit. The homestead may consist of lands regardless of area.

Where do the Idaho homestead exemption laws come from?

The rules above come from Idaho Code 55-1003. Each source is linked on this page. We last checked them in October 2026.

Good to know

The $175,000 amount dates from a 2020 amendment (2020, ch. 232).

What this means in practice

The exemption applies to equity, not to the full value of the home. Equity is the market value minus the mortgages and other liens on the property. A lender that holds a mortgage on the home, and certain other claims such as taxes on the property, can usually still be enforced against it regardless of the exemption.

Check whether you need to take a step to claim the protection. Some states protect a home automatically once it is your residence, while others require you to record a homestead declaration with the county or to claim the exemption in court when a creditor tries to collect.

In bankruptcy, federal law can limit a state homestead exemption for a home bought within a set period before the filing, and residency rules decide which state's exemptions apply if you moved recently. Some states also let filers choose the federal bankruptcy exemptions instead of the state list. A bankruptcy attorney can confirm which rules apply to your situation.

General information, not legal advice. Laws change, and cities can add their own rules, so check the current statute before you rely on it.