FHA Loan Limits in Hill County, Montana (2026)
In Hill County — anchored by Hill 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 Hill County to the edges of Hill County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Yellowstone and Gallatin Counties.
Affording a home in Hill County & Hill County
With Hill County's median sale price estimated near $550,000 (think Hill County), the FHA down payment is roughly $18,945. Factoring Montana property taxes near 0.74%, expect about $3,962 monthly, pointing to income near $153,000 — above Montana's $66,341 median household income, so budget carefully.
FHA payment scenarios in Hill County
Whether you are buying in Hill County or a smaller Hill 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 — $396,000 | $13,860 | $2,930 |
| Local median — $541,287 | $18,945 | $3,962 |
| At the FHA limit — $541,287 | $18,945 | $3,962 |
Estimates include FHA MIP plus Montana property taxes and insurance. Rates move daily near Hill County too — get notified.
First-time buyers make up much of FHA activity in Hill County and across Hill County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $18,945 needed on a median Hill County home.
Multi-unit FHA limits in Hill County
Investors and house-hackers in Hill County and across Hill 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 Hill County for 2026?
- In Hill County (Hill 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 Hill County with FHA?
- For a median-priced ($541,287) Hill County home, plan on income around $153,000 at a 31% housing ratio — about $3,962/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Hill County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Hill County-area home. Gift funds are allowed.
- Is Hill County a high-cost FHA area?
- No — Hill County uses the $541,287 national floor for one unit.