Loan Limits by County

State · 2026 limits

Montana conforming loan limits 2026

$832,750

conforming loan limit for a one-unit home in every Montana county, 2026

Limits by county from FHFA. Informational only, not lending advice.

Counties56in FHFA's file
Above the baseline0all at $832,750
Highest 4-unit limit$1,601,750every county
Rose since 202556of 56 counties

The four limits, drawn to scale

Every Montana county has the same 2026 limits, so one figure covers the state.

$500K$1M$1.5M$2M$832,750ceiling $1,249,1251 unit · housebaseline $832,750$1,066,250ceiling $1,599,3752 units · duplexbaseline $1,066,250$1,288,800ceiling $1,933,2003 units · triplexbaseline $1,288,800$1,601,750ceiling $2,402,6254 units · fourplexbaseline $1,601,750$500K$1M$1.5M$2M1 unit$832,7502 units$1,066,2503 units$1,288,8004 units$1,601,750

2026 limit hereceiling (150% of baseline)baseline

Source: FHFA 2026 county loan limit file.

Every Montana county

Beaverhead County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Big Horn County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Blaine County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Broadwater County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Carbon County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Carter County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Cascade County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Chouteau County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Custer County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Daniels County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Dawson County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Deer Lodge County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Fallon County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Fergus County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Flathead County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Gallatin County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Garfield County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Glacier County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Golden Valley County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Granite County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Hill County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Jefferson County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Judith Basin County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Lake County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Lewis and Clark County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Liberty County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Lincoln County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Madison County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
McCone County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Meagher County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Mineral County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Missoula County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Musselshell County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Park County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Petroleum County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Phillips County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Pondera County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Powder River County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Powell County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Prairie County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Ravalli County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Richland County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Roosevelt County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Rosebud County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Sanders County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Sheridan County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Silver Bow County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Stillwater County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Sweet Grass County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Teton County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Toole County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Treasure County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Valley County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Wheatland County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Wibaux County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Yellowstone County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)

FHA limits in Montana

HUD sets FHA limits for each county between $541,287 and $1,249,125 for one unit in 2026. HUD's lookup has the exact county figures.

HUD FHA lookup FHA limits explained

Questions

What is the 2026 conforming loan limit in Montana?

$832,750 for a one-unit home in every county.

Which Montana counties have the highest loan limits?

None stands out: all 56 counties share the $832,750 limit.

What is the FHA loan limit in Montana for 2026?

HUD sets FHA limits county by county, between $541,287 and $1,249,125 for one unit. HUD's FHA Mortgage Limits lookup has each county's exact figure.

Is a loan above the Montana limit a jumbo loan?

Yes. A loan above the conforming limit for its county and unit count is a jumbo loan, which Fannie Mae and Freddie Mac cannot buy.

Sources

Figures as published by the agencies. See sources and method.