FHA Loan Limits in Glacier County, Montana (2026)
Buying in Glacier County or elsewhere in Glacier 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 |
These 2026 limits apply throughout Glacier County, from Glacier County outward, and sit alongside the limits set for neighboring Yellowstone and Gallatin Counties.
FHA affordability around Glacier County
With Glacier County's median sale price estimated near $486,000 (think Glacier County), the FHA down payment is roughly $17,010. Factoring Montana property taxes near 0.74%, expect about $3,570 monthly, pointing to income near $138,000 — above Montana's $66,341 median household income, so budget carefully.
FHA payment scenarios in Glacier County
Whether you are buying in Glacier County or a smaller Glacier 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 — $350,000 | $12,250 | $2,603 |
| Local median — $486,000 | $17,010 | $3,570 |
| At the FHA limit — $541,287 | $18,945 | $3,962 |
Estimates include FHA MIP plus Montana property taxes and insurance. Rates move daily near Glacier County too — get notified.
In Glacier County and the surrounding Glacier County market, FHA's appeal is the math: $17,010 down on a $486,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Glacier County
Investors and house-hackers in Glacier County and across Glacier 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 Glacier County for 2026?
- In Glacier County (Glacier 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 Glacier County with FHA?
- For a median-priced ($486,000) Glacier County home, plan on income around $138,000 at a 31% housing ratio — about $3,570/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Glacier County?
- 3.5% with a 580+ score — roughly $17,010 on a $486,000 Glacier County-area home. Gift funds are allowed.
- Is Glacier County a high-cost FHA area?
- No — Glacier County uses the $541,287 national floor for one unit.