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Idaho 529 plan: tax break and facts

Idaho taxpayers can get a state tax deduction for contributing up to $6,000 (single) or $12,000 (joint) a year, generally only for the in-state plan. Here are the facts on Idaho's direct-sold 529 plan (the one you open yourself, without an advisor).

Plan: IDeal - Idaho College Savings Program
Official site: https://idsaves.org/
Program manager: not found
Expense ratio range: not found
Minimum contribution: $25
State tax break (2026): $6,000 single / $12,000 joint (deduction)
Tax parity (any state's plan): No
Max account balance: $500,000

What Idaho law says

Idaho provides an annual deduction of up to $6,000 per tax return for individual filers and $12,000 per tax return for joint filers per 2017 HB185.

Summary of state law from the ICI 2025 state tax survey; it may predate 2026 changes.

2026 limits and parity: Savingforcollege. Manager, fees and minimum: only when stated on the plan's homepage text we read (2026-10-12); otherwise 'not found'. Check the plan's disclosure document for exact fees.

Next step: Federal 529 rules + all states · See how savings grow

FAQ

Does Idaho have a 529 tax deduction?

Yes: a deduction for up to $6,000 (single) / $12,000 (joint) of contributions in 2026

Do I have to use my own state's plan?

No. You can use any state's plan; you may lose your state's tax break if your state doesn't offer tax parity.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.