FHA Loan Limits in Carbon County, Montana (2026)
In Carbon County — anchored by Carbon County — the 2026 FHA loan limit for a single-family home 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 |
From Carbon County to the edges of Carbon County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Yellowstone and Gallatin Counties.
Affording a home in Carbon County & Carbon County
Homes around Carbon County carry an estimated local median near $408,000, so an FHA buyer in Carbon County puts down about $14,280 (3.5%). With Montana's 0.74% effective property-tax rate, the all-in payment runs near $3,015 a month — comfortable on household income around $117,000, above Montana's $66,341 median household income, so budget carefully.
FHA payment scenarios in Carbon County
Whether you are buying in Carbon County or a smaller Carbon County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $294,000 | $10,290 | $2,205 |
| Local median — $408,000 | $14,280 | $3,015 |
| At the FHA limit — $541,287 | $18,945 | $3,962 |
Estimates include FHA MIP plus Montana property taxes and insurance. Rates move daily near Carbon County too — get notified.
First-time buyers make up much of FHA activity in Carbon County and across Carbon County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $14,280 needed on a median Carbon County home.
Multi-unit FHA limits in Carbon County
Investors and house-hackers in Carbon County and across Carbon County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Carbon County for 2026?
- In Carbon County (Carbon 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 Carbon County with FHA?
- For a median-priced ($408,000) Carbon County home, plan on income around $117,000 at a 31% housing ratio — about $3,015/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Carbon County?
- 3.5% with a 580+ score — roughly $14,280 on a $408,000 Carbon County-area home. Gift funds are allowed.
- Is Carbon County a high-cost FHA area?
- No — Carbon County uses the $541,287 national floor for one unit.