FHA Loan Limits in Montana (2026)
For 2026, the FHA loan limit in most Montana counties is $541,287 for a single-family home. Montana has no designated high-cost counties, so the national floor applies statewide.
FHA loan limits by county in Montana
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Yellowstone County | $541,287 | $692,997 | $1,041,072 | Standard |
| Gallatin County | $541,287 | $692,997 | $1,041,072 | Standard |
| Missoula County | $541,287 | $692,997 | $1,041,072 | Standard |
| Flathead County | $541,287 | $692,997 | $1,041,072 | Standard |
| Cascade County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lewis and Clark County | $541,287 | $692,997 | $1,041,072 | Standard |
| Ravalli County | $541,287 | $692,997 | $1,041,072 | Standard |
| Silver Bow County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lake County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lincoln County | $541,287 | $692,997 | $1,041,072 | Standard |
| Park County | $541,287 | $692,997 | $1,041,072 | Standard |
| Custer County | $541,287 | $692,997 | $1,041,072 | Standard |
| Big Horn County | $541,287 | $692,997 | $1,041,072 | Standard |
| Carbon County | $541,287 | $692,997 | $1,041,072 | Standard |
| Hill County | $541,287 | $692,997 | $1,041,072 | Standard |
| Glacier County | $541,287 | $692,997 | $1,041,072 | Standard |
| Roosevelt County | $541,287 | $692,997 | $1,041,072 | Standard |
| Sanders County | $541,287 | $692,997 | $1,041,072 | Standard |
Montana's median home price is roughly $470,000. With 3.5% down, an example FHA payment near that price is about $3,597/month including MIP, taxes, and insurance.
Buying with an FHA loan in Montana
FHA loans are popular with first-time buyers in Montana because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in Montana for 2026?
- Most Montana counties use the national FHA floor of $541,287 for a one-unit home.
- What credit score do I need for an FHA loan in Montana?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.