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FHA loans in Butte, MT

Quick answer

The 2026 FHA loan limit in Butte, MT (Silver Bow County) is $541,287 for a single-family home, enough for a purchase price up to about $560,000 with 3.5% down. On the $225,100 median home value, that down payment is about $7,879 and the estimated payment is $1,885/month at 7.18%, which needs roughly $81,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $57,633; value-to-income ratio 3.91. Butte ranks 8 by home value and 5 by population among 11 places in our MT dataset.

What does an FHA loan cost on a typical Butte home?

ItemButte
Median home value (Census ACS)$225,100
Montana median home value$338,100
Down payment (3.5%)$7,879
Loan incl. 1.75% upfront MIP$221,023
Estimated monthly payment (PITI + MI)$1,885
Income needed (28% / 36%)$81,000 / $63,000
Silver Bow County 2026 FHA limit (1 unit)$541,287
Max purchase price at the limit$560,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Montana's 0.75% effective property tax rate (Census ACS), $1,768/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Butte?

Butte is in Silver Bow County where HUD's 2026 one-unit FHA limit is $541,287. With the minimum 3.5% down, that caps the purchase price at about $560,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The Butte median home value of $225,100 is 33% below the Montana median, and within what the county limit supports.

Which down payment assistance programs can Butte buyers use?

FHA loans in nearby cities

HelenaBelgradeBozemanMissoulaGreat FallsKalispell

FHA loan FAQs for Butte

Butte is in Silver Bow County, where HUD's 2026 FHA limit for a one-unit home is $541,287. With 3.5% down, that supports a purchase price up to about $560,000.

3.5% of $225,100 is about $7,879 with a 580+ credit score (10%, or $22,510, with a 500–579 score), plus closing costs.

At the $225,100 median value (below the Montana median of $338,100), the estimated payment of $1,885/month at 7.18% needs about $81,000 a year under the 28% housing guideline, or $63,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 2 statewide programs are verified for this city (2 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.