FHA Loan Limits in Lewis and Clark County, Montana (2026)
From Lewis and Clark County, FHA buyers in Lewis and Clark County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 Lewis and Clark County to the edges of Lewis and Clark County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Yellowstone and Gallatin Counties.
What can you buy with FHA in Lewis and Clark County?
An FHA buyer near Lewis and Clark County faces an estimated $514,000 median, a $17,990 down payment, and — after Montana's 0.74% property tax — a monthly cost around $3,768. That suits household income of roughly $146,000, above Montana's $66,341 median household income, so budget carefully.
FHA payment scenarios in Lewis and Clark County
Whether you are buying in Lewis and Clark County or a smaller Lewis and Clark 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 — $370,000 | $12,950 | $2,745 |
| Local median — $514,000 | $17,990 | $3,768 |
| At the FHA limit — $541,287 | $18,945 | $3,962 |
Estimates include FHA MIP plus Montana property taxes and insurance. Rates move daily near Lewis and Clark County too — get notified.
First-time buyers make up much of FHA activity in Lewis and Clark County and across Lewis and Clark County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $17,990 needed on a median Lewis and Clark County home.
Multi-unit FHA limits in Lewis and Clark County
Investors and house-hackers in Lewis and Clark County and across Lewis and Clark 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.
Be First to Know When FHA Rates Move
Rates move daily and FHA rules change often. We will tell you the moment something shifts.
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 Lewis and Clark County for 2026?
- In Lewis and Clark County (Lewis and Clark 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 Lewis and Clark County with FHA?
- For a median-priced ($514,000) Lewis and Clark County home, plan on income around $146,000 at a 31% housing ratio — about $3,768/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Lewis and Clark County?
- 3.5% with a 580+ score — roughly $17,990 on a $514,000 Lewis and Clark County-area home. Gift funds are allowed.
- Is Lewis and Clark County a high-cost FHA area?
- No — Lewis and Clark County uses the $541,287 national floor for one unit.