FHA Loan Limits in Park County, Montana (2026)
Park County and the rest of Park County, Montana fall under a 2026 one-unit FHA limit of $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 Park County to the edges of Park County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Yellowstone and Gallatin Counties.
How much home can you afford in Park County?
With Park County's median sale price estimated near $550,000 (think Park 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 Park County
Whether you are buying in Park County or a smaller Park 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 Park County too — get notified.
First-time buyers make up much of FHA activity in Park County and across Park 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 Park County home.
Multi-unit FHA limits in Park County
Investors and house-hackers in Park County and across Park 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 Park County for 2026?
- In Park County (Park 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 Park County with FHA?
- For a median-priced ($541,287) Park 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 Park County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Park County-area home. Gift funds are allowed.
- Is Park County a high-cost FHA area?
- No — Park County uses the $541,287 national floor for one unit.