FHA Loan Limits in Gallatin County, Montana (2026)
Gallatin County and the rest of Gallatin County, Montana fall under a 2026 one-unit FHA limit of $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 Gallatin County — Gallatin County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Yellowstone and Missoula Counties.
How much home can you afford in Gallatin County?
An FHA buyer near Gallatin County faces an estimated $504,000 median, a $17,640 down payment, and — after Montana's 0.74% property tax — a monthly cost around $3,697. That suits household income of roughly $143,000, above Montana's $66,341 median household income, so budget carefully.
FHA payment scenarios in Gallatin County
FHA payments across Gallatin County price points — from entry homes near Gallatin 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 Gallatin County too — get notified.
Buyers across Gallatin County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $17,640 down payment near Gallatin County into little out of pocket.
Multi-unit FHA limits in Gallatin County
Gallatin County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Gallatin 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 Gallatin County for 2026?
- In Gallatin County (Gallatin 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 Gallatin County with FHA?
- For a median-priced ($504,000) Gallatin 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 Gallatin County?
- 3.5% with a 580+ score — roughly $17,640 on a $504,000 Gallatin County-area home. Gift funds are allowed.
- Is Gallatin County a high-cost FHA area?
- No — Gallatin County uses the $541,287 national floor for one unit.