2026 FHA Loan Limits in Montana
FHA loan limits apply to mortgages backed by the Federal Housing Administration (FHA). These limits are updated each year to reflect fluctuations in housing prices that occur over time, and they vary across the country depending on the county and state.
Montana FHA loan limits for single-family homes range from $541,287 in most areas to as high as $754,400 in a handful of more expensive counties. The Montana counties with the highest FHA loan limits of $754,400 in 2026 are Carbon, Stillwater and Yellowstone. Also note that higher limits apply for multifamily homes with up to four units that are purchased using an FHA loan in the state.
This guide includes county-by-county FHA loan limits in Montana for your reference, plus some tips to help you qualify for this type of home loan.
Montana FHA loan limits by county
| County name | One unit | Two units | Three units | Four Units | Median sales price |
|---|---|---|---|---|---|
| BEAVERHEAD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $316,000 |
| BIG HORN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $209,000 |
| BLAINE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $183,000 |
| BROADWATER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $441,000 |
| CARBON COUNTY | $754,400 | $965,750 | $1,167,400 | $1,450,800 | $606,000 |
| CARTER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $259,000 |
| CASCADE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $317,000 |
| CHOUTEAU COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $261,000 |
| CUSTER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $288,000 |
| DANIELS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $251,000 |
| DAWSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $206,000 |
| DEER LODGE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $268,000 |
| FALLON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $334,000 |
| FERGUS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $260,000 |
| FLATHEAD COUNTY | $615,250 | $787,650 | $952,050 | $1,183,200 | $535,000 |
| GALLATIN COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $620,000 |
| GARFIELD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $251,000 |
| GLACIER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $201,000 |
| GOLDEN VALLEY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $299,000 |
| GRANITE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $399,000 |
| HILL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $264,000 |
| JEFFERSON COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $441,000 |
| JUDITH BASIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $266,000 |
| LAKE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $426,000 |
| LEWIS AND CLARK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $441,000 |
| LIBERTY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $196,000 |
| LINCOLN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $316,000 |
| MADISON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $438,000 |
| MCCONE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $203,000 |
| MEAGHER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $239,000 |
| MINERAL COUNTY | $598,000 | $765,550 | $925,350 | $1,150,000 | $520,000 |
| MISSOULA COUNTY | $598,000 | $765,550 | $925,350 | $1,150,000 | $520,000 |
| MUSSELSHELL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $312,000 |
| PARK COUNTY | $563,500 | $721,400 | $872,000 | $1,083,650 | $488,000 |
| PETROLEUM COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $155,000 |
| PHILLIPS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $257,000 |
| PONDERA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $231,000 |
| POWDER RIVER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $217,000 |
| POWELL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $360,000 |
| PRAIRIE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $245,000 |
| RAVALLI COUNTY | $560,050 | $716,950 | $866,650 | $1,077,050 | $487,000 |
| RICHLAND COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $365,000 |
| ROOSEVELT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $168,000 |
| ROSEBUD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $206,000 |
| SANDERS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $313,000 |
| SHERIDAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $157,000 |
| SILVER BOW COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $303,000 |
| STILLWATER COUNTY | $754,400 | $965,750 | $1,167,400 | $1,450,800 | $606,000 |
| SWEET GRASS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $392,000 |
| TETON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $332,000 |
| TOOLE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $186,000 |
| TREASURE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $303,000 |
| VALLEY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $280,000 |
| WHEATLAND COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $243,000 |
| WIBAUX COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $136,000 |
| YELLOWSTONE COUNTY | $754,400 | $965,750 | $1,167,400 | $1,450,800 | $606,000 |
How are FHA loan limits determined?
FHA loan limits have both a “floor” and a “ceiling.” The FHA loan limit floor is the limit borrowers can qualify for in lower-cost areas of a state, and the ceiling is the maximum loan limit that applies nationwide.
Loan limits vary by county across the country, which ensures that potential homeowners can take out larger FHA loans in areas where median housing prices are higher than normal.
FHA loan limits are adjusted each year based on changes in housing prices that occur due to economic factors and overall demand for housing. In 2026, FHA loan limits for single-family homes around the country range from $541,287 to $1,249,125 in most higher-cost areas. Alaska, Hawaii, Guam and the U.S. Virgin Islands have even higher limits because they are designated as special exception areas due to higher housing costs and other factors.
How to qualify for an FHA loan in Montana
While FHA loans are guaranteed by the Federal Housing Administration (FHA), these home loans are offered through private lenders. There are also some minimum requirements that need to be met to qualify for an FHA loan in Montana and elsewhere in the country.
For example, Montana homebuyers need to have the minimum down payment requirement for FHA loans, and they also need to meet credit requirements to get approved. Other requirements apply, as well.
Here’s a rundown of basic FHA loan requirements that apply in Montana and other states.
- Credit score requirements: FHA loans require a minimum credit score of 580 if you make a down payment of 3.5% of the purchase price. You can also qualify with a minimum credit score of 500 if your down payment is at least 10%.
- Down payment: You can put down as little as 3.5% of the home price with an FHA loan, so long as your credit score is at least 580. If your score is between 500 and 579, you’ll need a down payment of at least 10%.
- Debt-to-income ratio: Your debt-to-income (DTI) ratio shows how your monthly debt payments compare to your gross monthly income, represented by a percentage. Most FHA lenders want to see a DTI ratio of 43% or below, which means your monthly debt obligations make up no more than 43% of your gross monthly pay.
- Loan limits: FHA loans need to come under loan limits in the state of Montana, which range from $541,287 for single-family homes in most areas to $754,400 in the most expensive counties of the state.
- Mortgage insurance: FHA mortgage insurance is charged up front as part of the closing costs for the loan as well as on a monthly basis.
- Appraisal requirements: FHA loans require a specific type of appraisal that outlines the current value of the property while also ensuring it meets FHA safety standards for occupancy.
- Occupancy requirements: FHA loans are for primary residences only, and homebuyers have to commit to living in the home for at least one year. This is even true for multifamily homes purchased with FHA loans.
Buying a multifamily property with an FHA loan
While FHA loans are a good choice for single-family homes, consumers may be surprised to know these loans can also be used for multifamily properties with up to four units. This means homebuyers could find a duplex, triplex or property with four units and buy it with as little as 3.5% down, provided they meet all other FHA loan requirements.
Homeowners are required to live in one of the units for at least one year, after which they can rent out that unit as well and move without giving up their existing financing. This makes FHA loans ideal for house hacking strategies, where the homeowner lives in one unit, rents out the others and uses the monthly rent payments to cover all or part of the mortgage. The fact that buyers only have to live in one of the units for a year also makes FHA loans an option for longer-term real estate investment strategies.
Also note that FHA loan limits are higher for multifamily properties. The chart below shows the lowest possible FHA loan limit that applies to homes with two to four units nationwide.
| Number of units | Low-cost FHA loan limit |
|---|---|
| Two | $693,050 |
| Three | $837,700 |
| Four | $1,041,125 |
FHA lenders in Montana
| Lender | LendingTree rating | Min. FHA credit score | |
|---|---|---|---|
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 |
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