FHA Loan Limits in Custer County, Montana (2026)
From Custer County, FHA buyers in Custer County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 Custer County — Custer County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Yellowstone and Gallatin Counties.
What can you buy with FHA in Custer County?
An FHA buyer near Custer County faces an estimated $541,000 median, a $18,935 down payment, and — after Montana's 0.74% property tax — a monthly cost around $3,960. That suits household income of roughly $153,000, above Montana's $66,341 median household income, so budget carefully.
FHA payment scenarios in Custer County
FHA payments across Custer County price points — from entry homes near Custer County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $390,000 | $13,650 | $2,887 |
| Local median — $541,000 | $18,935 | $3,960 |
| At the FHA limit — $541,287 | $18,945 | $3,962 |
Estimates include FHA MIP plus Montana property taxes and insurance. Rates move daily near Custer County too — get notified.
Buyers across Custer County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $18,935 down payment near Custer County into little out of pocket.
Multi-unit FHA limits in Custer County
Custer County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Custer 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 Custer County for 2026?
- In Custer County (Custer 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 Custer County with FHA?
- For a median-priced ($541,000) Custer County home, plan on income around $153,000 at a 31% housing ratio — about $3,960/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Custer County?
- 3.5% with a 580+ score — roughly $18,935 on a $541,000 Custer County-area home. Gift funds are allowed.
- Is Custer County a high-cost FHA area?
- No — Custer County uses the $541,287 national floor for one unit.