FHA Loan Limits in Big Horn County, Montana (2026)
Buying in Big Horn County or elsewhere in Big Horn County? The 2026 FHA single-family limit across the county is $541,287. That matches the national FHA floor used across most of the Mountain West.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
Every community in Big Horn County — Big Horn County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Yellowstone and Gallatin Counties.
FHA affordability around Big Horn County
With Big Horn County's median sale price estimated near $504,000 (think Big Horn County), the FHA down payment is roughly $17,640. Factoring Montana property taxes near 0.74%, expect about $3,697 monthly, pointing to income near $143,000 — above Montana's $66,341 median household income, so budget carefully.
FHA payment scenarios in Big Horn County
FHA payments across Big Horn County price points — from entry homes near Big Horn County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $363,000 | $12,705 | $2,696 |
| Local median — $504,000 | $17,640 | $3,697 |
| At the FHA limit — $541,287 | $18,945 | $3,962 |
Estimates include FHA MIP plus Montana property taxes and insurance. Rates move daily near Big Horn County too — get notified.
Buyers across Big Horn County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $17,640 down payment near Big Horn County into little out of pocket.
Multi-unit FHA limits in Big Horn County
Big Horn County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Big Horn County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Big Horn County for 2026?
- In Big Horn County (Big Horn County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Big Horn County with FHA?
- For a median-priced ($504,000) Big Horn County home, plan on income around $143,000 at a 31% housing ratio — about $3,697/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Big Horn County?
- 3.5% with a 580+ score — roughly $17,640 on a $504,000 Big Horn County-area home. Gift funds are allowed.
- Is Big Horn County a high-cost FHA area?
- No — Big Horn County uses the $541,287 national floor for one unit.