Montana loan limits 2026 by county
In 2026, every one of the 56 counties in Montana has the $832,750 baseline conforming loan limit for a one-unit home. FHA limits run from $541,287 to $754,400: 9 counties are above the $541,287 national floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
FHA and conforming loan limits for every Montana county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Beaverhead County | $832,750 | $541,287 | Non-Metro |
| Big Horn County | $832,750 | $541,287 | Non-Metro |
| Blaine County | $832,750 | $541,287 | Non-Metro |
| Broadwater County | $832,750 | $541,287 | Helena, MT |
| Carbon County | $832,750 | $754,400 | Billings, MT |
| Carter County | $832,750 | $541,287 | Non-Metro |
| Cascade County | $832,750 | $541,287 | Great Falls, MT |
| Chouteau County | $832,750 | $541,287 | Non-Metro |
| Custer County | $832,750 | $541,287 | Non-Metro |
| Daniels County | $832,750 | $541,287 | Non-Metro |
| Dawson County | $832,750 | $541,287 | Non-Metro |
| Deer Lodge County | $832,750 | $541,287 | Non-Metro |
| Fallon County | $832,750 | $541,287 | Non-Metro |
| Fergus County | $832,750 | $541,287 | Non-Metro |
| Flathead County | $832,750 | $615,250 | Kalispell, MT |
| Gallatin County | $832,750 | $718,750 | Bozeman, MT |
| Garfield County | $832,750 | $541,287 | Non-Metro |
| Glacier County | $832,750 | $541,287 | Non-Metro |
| Golden Valley County | $832,750 | $541,287 | Non-Metro |
| Granite County | $832,750 | $541,287 | Non-Metro |
| Hill County | $832,750 | $541,287 | Non-Metro |
| Jefferson County | $832,750 | $541,287 | Helena, MT |
| Judith Basin County | $832,750 | $541,287 | Non-Metro |
| Lake County | $832,750 | $541,287 | Non-Metro |
| Lewis and Clark County | $832,750 | $541,287 | Helena, MT |
| Liberty County | $832,750 | $541,287 | Non-Metro |
| Lincoln County | $832,750 | $541,287 | Non-Metro |
| Madison County | $832,750 | $541,287 | Non-Metro |
| McCone County | $832,750 | $541,287 | Non-Metro |
| Meagher County | $832,750 | $541,287 | Non-Metro |
| Mineral County | $832,750 | $598,000 | Missoula, MT |
| Missoula County | $832,750 | $598,000 | Missoula, MT |
| Musselshell County | $832,750 | $541,287 | Non-Metro |
| Park County | $832,750 | $563,500 | Non-Metro |
| Petroleum County | $832,750 | $541,287 | Non-Metro |
| Phillips County | $832,750 | $541,287 | Non-Metro |
| Pondera County | $832,750 | $541,287 | Non-Metro |
| Powder River County | $832,750 | $541,287 | Non-Metro |
| Powell County | $832,750 | $541,287 | Non-Metro |
| Prairie County | $832,750 | $541,287 | Non-Metro |
| Ravalli County | $832,750 | $560,050 | Non-Metro |
| Richland County | $832,750 | $541,287 | Non-Metro |
| Roosevelt County | $832,750 | $541,287 | Non-Metro |
| Rosebud County | $832,750 | $541,287 | Non-Metro |
| Sanders County | $832,750 | $541,287 | Non-Metro |
| Sheridan County | $832,750 | $541,287 | Non-Metro |
| Silver Bow County | $832,750 | $541,287 | Butte-Silver Bow, MT |
| Stillwater County | $832,750 | $754,400 | Billings, MT |
| Sweet Grass County | $832,750 | $541,287 | Non-Metro |
| Teton County | $832,750 | $541,287 | Non-Metro |
| Toole County | $832,750 | $541,287 | Non-Metro |
| Treasure County | $832,750 | $541,287 | Non-Metro |
| Valley County | $832,750 | $541,287 | Non-Metro |
| Wheatland County | $832,750 | $541,287 | Non-Metro |
| Wibaux County | $832,750 | $541,287 | Non-Metro |
| Yellowstone County | $832,750 | $754,400 | Billings, MT |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
Highest FHA loan limits in Montana
Carbon County ($754,400), Stillwater County ($754,400), Yellowstone County ($754,400), Gallatin County ($718,750) and Flathead County ($615,250). HUD sets a county above the floor where 115 percent of its area's median home price is higher than the floor, up to the $1,249,125 ceiling; every county of one HUD area has the same limit.
FHA, VA and conforming limits in Montana
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- Montana fair market rentsHUD Fair Market Rents for every Montana county, studios to 4 bedrooms.
- Montana property tax ratesEffective property tax rate for every Montana county from survey data.
For the title side (owner of record, deeds, mortgages, liens), see the counties HeritageDeed covers; a title report is $49 per report.
Questions about Montana loan limits
What are the FHA loan limits in Montana for 2026?
$541,287 to $754,400 for a one-unit home, depending on the county. 9 counties are above the national floor of $541,287, led by Carbon County ($754,400), Stillwater County ($754,400) and Yellowstone County ($754,400); the rest are at the floor. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in Montana for 2026?
$832,750 for a one-unit home in every Montana county, effective January 1, 2026 (FHFA).
What is the VA loan limit in Montana?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 in Montana for 2026: 25 percent of that limit minus the entitlement already used.
Which Montana counties have the highest loan limits?
Conforming: every county is at the baseline. FHA: Carbon County at $754,400. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/montana. Not lending advice.