FHA Loan Limits in Missoula County, Montana (2026)
Buying in Missoula County or elsewhere in Missoula 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 Missoula County, from Missoula County outward, and sit alongside the limits set for neighboring Yellowstone and Gallatin Counties.
FHA affordability around Missoula County
With Missoula County's median sale price estimated near $514,000 (think Missoula County), the FHA down payment is roughly $17,990. Factoring Montana property taxes near 0.74%, expect about $3,768 monthly, pointing to income near $146,000 — above Montana's $66,341 median household income, so budget carefully.
FHA payment scenarios in Missoula County
FHA payments across Missoula County price points — from entry homes near Missoula County to the county's FHA limit (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 Missoula County too — get notified.
In Missoula County and the surrounding Missoula County market, FHA's appeal is the math: $17,990 down on a $514,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Missoula County
Missoula County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Missoula County can live in one unit and rent the rest to offset the mortgage.
FHA Alerts, Free to Your Inbox
Free to join in under 30 seconds. Get notified when it is time to act.
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 Missoula County for 2026?
- In Missoula County (Missoula 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 Missoula County with FHA?
- For a median-priced ($514,000) Missoula 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 Missoula County?
- 3.5% with a 580+ score — roughly $17,990 on a $514,000 Missoula County-area home. Gift funds are allowed.
- Is Missoula County a high-cost FHA area?
- No — Missoula County uses the $541,287 national floor for one unit.