What are the loan limits in each Montana county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Beaverhead County | $832,750 | $541,287 | $693,050 | $282,000 |
| Big Horn County | $832,750 | $541,287 | $693,050 | $148,200 |
| Blaine County | $832,750 | $541,287 | $693,050 | $124,900 |
| Broadwater County | $832,750 | $541,287 | $693,050 | $364,800 |
| Carbon County | $832,750 | $754,400 | $965,750 | $379,300 |
| Carter County | $832,750 | $541,287 | $693,050 | $176,600 |
| Cascade County | $832,750 | $541,287 | $693,050 | $243,300 |
| Chouteau County | $832,750 | $541,287 | $693,050 | $185,100 |
| Custer County | $832,750 | $541,287 | $693,050 | $204,200 |
| Daniels County | $832,750 | $541,287 | $693,050 | $177,800 |
| Dawson County | $832,750 | $541,287 | $693,050 | $187,400 |
| Deer Lodge County | $832,750 | $541,287 | $693,050 | $209,700 |
| Fallon County | $832,750 | $541,287 | $693,050 | $237,000 |
| Fergus County | $832,750 | $541,287 | $693,050 | $202,700 |
| Flathead County | $832,750 | $615,250 | $787,650 | $467,700 |
| Gallatin County | $832,750 | $718,750 | $920,150 | $604,900 |
| Garfield County | $832,750 | $541,287 | $693,050 | $178,300 |
| Glacier County | $832,750 | $541,287 | $693,050 | $153,400 |
| Golden Valley County | $832,750 | $541,287 | $693,050 | $203,900 |
| Granite County | $832,750 | $541,287 | $693,050 | $339,500 |
| Hill County | $832,750 | $541,287 | $693,050 | $187,600 |
| Jefferson County | $832,750 | $541,287 | $693,050 | $408,000 |
| Judith Basin County | $832,750 | $541,287 | $693,050 | $214,200 |
| Lake County | $832,750 | $541,287 | $693,050 | $369,200 |
| Lewis and Clark County | $832,750 | $541,287 | $693,050 | $358,200 |
| Liberty County | $832,750 | $541,287 | $693,050 | $116,800 |
| Lincoln County | $832,750 | $541,287 | $693,050 | $258,700 |
| Madison County | $832,750 | $541,287 | $693,050 | $440,500 |
| McCone County | $832,750 | $541,287 | $693,050 | $197,400 |
| Meagher County | $832,750 | $541,287 | $693,050 | $244,400 |
| Mineral County | $832,750 | $598,000 | $765,550 | $313,600 |
| Missoula County | $832,750 | $598,000 | $765,550 | $423,100 |
| Musselshell County | $832,750 | $541,287 | $693,050 | $221,200 |
| Park County | $832,750 | $563,500 | $721,400 | $429,700 |
| Petroleum County | $832,750 | $541,287 | $693,050 | $173,700 |
| Phillips County | $832,750 | $541,287 | $693,050 | $175,000 |
| Pondera County | $832,750 | $541,287 | $693,050 | $179,200 |
| Powder River County | $832,750 | $541,287 | $693,050 | $149,400 |
| Powell County | $832,750 | $541,287 | $693,050 | $255,700 |
| Prairie County | $832,750 | $541,287 | $693,050 | $167,100 |
| Ravalli County | $832,750 | $560,050 | $716,950 | $435,000 |
| Richland County | $832,750 | $541,287 | $693,050 | $259,000 |
| Roosevelt County | $832,750 | $541,287 | $693,050 | $119,400 |
| Rosebud County | $832,750 | $541,287 | $693,050 | $188,900 |
| Sanders County | $832,750 | $541,287 | $693,050 | $323,800 |
| Sheridan County | $832,750 | $541,287 | $693,050 | $111,600 |
| Silver Bow County | $832,750 | $541,287 | $693,050 | $223,500 |
| Stillwater County | $832,750 | $754,400 | $965,750 | $355,600 |
| Sweet Grass County | $832,750 | $541,287 | $693,050 | $295,500 |
| Teton County | $832,750 | $541,287 | $693,050 | $235,500 |
| Toole County | $832,750 | $541,287 | $693,050 | $187,400 |
| Treasure County | $832,750 | $541,287 | $693,050 | $215,300 |
| Valley County | $832,750 | $541,287 | $693,050 | $198,600 |
| Wheatland County | $832,750 | $541,287 | $693,050 | $172,700 |
| Wibaux County | $832,750 | $541,287 | $693,050 | $92,300 |
| Yellowstone County | $832,750 | $754,400 | $965,750 | $317,600 |
Which Montana counties are high-cost areas?
No Montana county is above the national baseline, so the conforming limit is $832,750 statewide.
Largest cities in Montana
Frequently asked questions
FHA one-unit limits in Montana start at $541,287. In Yellowstone County, the most populous county, it's $754,400.
The 2026 one-unit conforming limit in Yellowstone County is $832,750.
With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.
Sources
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
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