FHA Loan Limits in Lake County, Montana (2026)
Buying in Lake County or elsewhere in Lake 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 |
From Lake County to the edges of Lake County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Yellowstone and Gallatin Counties.
FHA affordability around Lake County
An FHA buyer near Lake County faces an estimated $404,000 median, a $14,140 down payment, and — after Montana's 0.74% property tax — a monthly cost around $2,987. That suits household income of roughly $116,000, above Montana's $66,341 median household income, so budget carefully.
FHA payment scenarios in Lake County
Here is what an FHA payment looks like at three Lake County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $291,000 | $10,185 | $2,184 |
| Local median — $404,000 | $14,140 | $2,987 |
| At the FHA limit — $541,287 | $18,945 | $3,962 |
Estimates include FHA MIP plus Montana property taxes and insurance. Rates move daily near Lake County too — get notified.
First-time buyers make up much of FHA activity in Lake County and across Lake County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $14,140 needed on a median Lake County home.
Multi-unit FHA limits in Lake County
Looking at a duplex or fourplex near Lake County? FHA allows up to $692,997 on two units and $1,041,072 on four in Lake County, with the same low 3.5% down for owner-occupants.
Your Free FHA Early-Warning System
Join the free FHA Notification Program — we watch rates, requirements, and new programs so you do not have to.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Lake County for 2026?
- In Lake County (Lake 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 Lake County with FHA?
- For a median-priced ($404,000) Lake County home, plan on income around $116,000 at a 31% housing ratio — about $2,987/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Lake County?
- 3.5% with a 580+ score — roughly $14,140 on a $404,000 Lake County-area home. Gift funds are allowed.
- Is Lake County a high-cost FHA area?
- No — Lake County uses the $541,287 national floor for one unit.