Montana Loan Limits by County, 2026
How big a loan can your county back?
About these limits
FHA and conforming limits are set per county each year by HUD and FHFA. A loan above the limit is a jumbo loan with different rules. Source: HUD CHUMS file for 2026 and FHFA county limits.
FHA and conforming (Fannie Mae and Freddie Mac) limits for a one-unit home in all 56 Montana counties. 9 counties are high-cost areas with FHA limits above the national floor.
Choose your county to see the answer.
CountyHouseholdIncomePriceSavings
More about loan limits
Montana counties
| County | FHA limit (1 unit) | Conforming limit (1 unit) | Area |
|---|---|---|---|
| Beaverhead County | $541,287 | $832,750 | Floor |
| Big Horn County | $541,287 | $832,750 | Floor |
| Blaine County | $541,287 | $832,750 | Floor |
| Broadwater County | $541,287 | $832,750 | Floor |
| Carbon County | $754,400 | $832,750 | High-cost |
| Carter County | $541,287 | $832,750 | Floor |
| Cascade County | $541,287 | $832,750 | Floor |
| Chouteau County | $541,287 | $832,750 | Floor |
| Custer County | $541,287 | $832,750 | Floor |
| Daniels County | $541,287 | $832,750 | Floor |
| Dawson County | $541,287 | $832,750 | Floor |
| Deer Lodge County | $541,287 | $832,750 | Floor |
| Fallon County | $541,287 | $832,750 | Floor |
| Fergus County | $541,287 | $832,750 | Floor |
| Flathead County | $615,250 | $832,750 | High-cost |
| Gallatin County | $718,750 | $832,750 | High-cost |
| Garfield County | $541,287 | $832,750 | Floor |
| Glacier County | $541,287 | $832,750 | Floor |
| Golden Valley County | $541,287 | $832,750 | Floor |
| Granite County | $541,287 | $832,750 | Floor |
| Hill County | $541,287 | $832,750 | Floor |
| Jefferson County | $541,287 | $832,750 | Floor |
| Judith Basin County | $541,287 | $832,750 | Floor |
| Lake County | $541,287 | $832,750 | Floor |
| Lewis and Clark County | $541,287 | $832,750 | Floor |
| Liberty County | $541,287 | $832,750 | Floor |
| Lincoln County | $541,287 | $832,750 | Floor |
| Madison County | $541,287 | $832,750 | Floor |
| McCone County | $541,287 | $832,750 | Floor |
| Meagher County | $541,287 | $832,750 | Floor |
| Mineral County | $598,000 | $832,750 | High-cost |
| Missoula County | $598,000 | $832,750 | High-cost |
| Musselshell County | $541,287 | $832,750 | Floor |
| Park County | $563,500 | $832,750 | High-cost |
| Petroleum County | $541,287 | $832,750 | Floor |
| Phillips County | $541,287 | $832,750 | Floor |
| Pondera County | $541,287 | $832,750 | Floor |
| Powder River County | $541,287 | $832,750 | Floor |
| Powell County | $541,287 | $832,750 | Floor |
| Prairie County | $541,287 | $832,750 | Floor |
| Ravalli County | $560,050 | $832,750 | High-cost |
| Richland County | $541,287 | $832,750 | Floor |
| Roosevelt County | $541,287 | $832,750 | Floor |
| Rosebud County | $541,287 | $832,750 | Floor |
| Sanders County | $541,287 | $832,750 | Floor |
| Sheridan County | $541,287 | $832,750 | Floor |
| Silver Bow County | $541,287 | $832,750 | Floor |
| Stillwater County | $754,400 | $832,750 | High-cost |
| Sweet Grass County | $541,287 | $832,750 | Floor |
| Teton County | $541,287 | $832,750 | Floor |
| Toole County | $541,287 | $832,750 | Floor |
| Treasure County | $541,287 | $832,750 | Floor |
| Valley County | $541,287 | $832,750 | Floor |
| Wheatland County | $541,287 | $832,750 | Floor |
| Wibaux County | $541,287 | $832,750 | Floor |
| Yellowstone County | $754,400 | $832,750 | High-cost |
Sources
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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