FHA Loan Limits in Flathead County, Montana (2026)
In Flathead County — anchored by Flathead 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 |
These 2026 limits apply throughout Flathead County, from Flathead County outward, and sit alongside the limits set for neighboring Yellowstone and Gallatin Counties.
Affording a home in Flathead County & Flathead County
With Flathead County's median sale price estimated near $440,000 (think Flathead County), the FHA down payment is roughly $15,400. Factoring Montana property taxes near 0.74%, expect about $3,243 monthly, pointing to income near $126,000 — above Montana's $66,341 median household income, so budget carefully.
FHA payment scenarios in Flathead County
FHA payments across Flathead County price points — from entry homes near Flathead County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $317,000 | $11,095 | $2,369 |
| Local median — $440,000 | $15,400 | $3,243 |
| At the FHA limit — $541,287 | $18,945 | $3,962 |
Estimates include FHA MIP plus Montana property taxes and insurance. Rates move daily near Flathead County too — get notified.
In Flathead County and the surrounding Flathead County market, FHA's appeal is the math: $15,400 down on a $440,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Flathead County
Flathead County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Flathead 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 Flathead County for 2026?
- In Flathead County (Flathead 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 Flathead County with FHA?
- For a median-priced ($440,000) Flathead County home, plan on income around $126,000 at a 31% housing ratio — about $3,243/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Flathead County?
- 3.5% with a 580+ score — roughly $15,400 on a $440,000 Flathead County-area home. Gift funds are allowed.
- Is Flathead County a high-cost FHA area?
- No — Flathead County uses the $541,287 national floor for one unit.