Montana Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 56 counties in Montana. FHA limits in this state range from $541,287 to $541,287, while conforming limits range from $832,750 to $832,750.
2026 Loan Limits by County in Montana
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Beaverhead County | $541,287 | $832,750 | $308,300 |
| 2 | Big Horn County | $541,287 | $832,750 | $143,400 |
| 3 | Blaine County | $541,287 | $832,750 | $155,500 |
| 4 | Broadwater County | $541,287 | $832,750 | $426,600 |
| 5 | Carbon County | $541,287 | $832,750 | $420,800 |
| 6 | Carter County | $541,287 | $832,750 | $199,200 |
| 7 | Cascade County | $541,287 | $832,750 | $265,300 |
| 8 | Chouteau County | $541,287 | $832,750 | $207,800 |
| 9 | Custer County | $541,287 | $832,750 | $219,100 |
| 10 | Daniels County | $541,287 | $832,750 | $184,800 |
| 11 | Dawson County | $541,287 | $832,750 | $185,300 |
| 12 | Deer Lodge County | $541,287 | $832,750 | $231,700 |
| 13 | Fallon County | $541,287 | $832,750 | $244,800 |
| 14 | Fergus County | $541,287 | $832,750 | $236,100 |
| 15 | Flathead County | $541,287 | $832,750 | $535,500 |
| 16 | Gallatin County | $541,287 | $832,750 | $667,600 |
| 17 | Garfield County | $541,287 | $832,750 | $169,900 |
| 18 | Glacier County | $541,287 | $832,750 | $165,100 |
| 19 | Golden Valley County | $541,287 | $832,750 | $212,200 |
| 20 | Granite County | $541,287 | $832,750 | $352,700 |
| 21 | Hill County | $541,287 | $832,750 | $202,600 |
| 22 | Jefferson County | $541,287 | $832,750 | $446,900 |
| 23 | Judith Basin County | $541,287 | $832,750 | $238,300 |
| 24 | Lake County | $541,287 | $832,750 | $421,800 |
| 25 | Lewis and Clark County | $541,287 | $832,750 | $393,500 |
| 26 | Liberty County | $541,287 | $832,750 | $169,100 |
| 27 | Lincoln County | $541,287 | $832,750 | $296,500 |
| 28 | Madison County | $541,287 | $832,750 | $470,100 |
| 29 | McCone County | $541,287 | $832,750 | $211,600 |
| 30 | Meagher County | $541,287 | $832,750 | $259,800 |
| 31 | Mineral County | $541,287 | $832,750 | $364,300 |
| 32 | Missoula County | $541,287 | $832,750 | $472,100 |
| 33 | Musselshell County | $541,287 | $832,750 | $235,000 |
| 34 | Park County | $541,287 | $832,750 | $467,500 |
| 35 | Petroleum County | $541,287 | $832,750 | $201,400 |
| 36 | Phillips County | $541,287 | $832,750 | $197,600 |
| 37 | Pondera County | $541,287 | $832,750 | $206,100 |
| 38 | Powder River County | $541,287 | $832,750 | $192,100 |
| 39 | Powell County | $541,287 | $832,750 | $306,500 |
| 40 | Prairie County | $541,287 | $832,750 | $165,700 |
| 41 | Ravalli County | $541,287 | $832,750 | $476,600 |
| 42 | Richland County | $541,287 | $832,750 | $263,000 |
| 43 | Roosevelt County | $541,287 | $832,750 | $118,800 |
| 44 | Rosebud County | $541,287 | $832,750 | $182,400 |
| 45 | Sanders County | $541,287 | $832,750 | $359,000 |
| 46 | Sheridan County | $541,287 | $832,750 | $124,000 |
| 47 | Silver Bow County | $541,287 | $832,750 | $255,200 |
| 48 | Stillwater County | $541,287 | $832,750 | $405,800 |
| 49 | Sweet Grass County | $541,287 | $832,750 | $330,100 |
| 50 | Teton County | $541,287 | $832,750 | $264,000 |
| 51 | Toole County | $541,287 | $832,750 | $218,400 |
| 52 | Treasure County | $541,287 | $832,750 | $230,300 |
| 53 | Valley County | $541,287 | $832,750 | $198,400 |
| 54 | Wheatland County | $541,287 | $832,750 | $180,800 |
| 55 | Wibaux County | $541,287 | $832,750 | $98,600 |
| 56 | Yellowstone County | $541,287 | $832,750 | $349,500 |
About Montana's Mortgage Market
Montana has 56 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in Montana range from $541,287 to $541,287 for a single-family home. Conforming limits range from $832,750 to $832,750.
Use our mortgage calculator to compute monthly payments using Montana-specific loan limits. Or explore a specific county above for detailed FHA vs conventional comparisons.
Frequently Asked Questions
What is the maximum FHA loan limit in Montana?
The highest 2026 FHA limit in Montana is $541,287 for a single-family home.
What is the maximum conforming loan limit in Montana?
The highest 2026 conforming loan limit in Montana is $832,750 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in Montana?
Montana has 56 counties, each with its own loan limits published annually by FHFA and HUD.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. Public domain. This page is for informational purposes and does not constitute financial advice.