FHA Loan Limits in Roosevelt County, Montana (2026)
Buying in Roosevelt County or elsewhere in Roosevelt 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 |
Every community in Roosevelt County — Roosevelt County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Yellowstone and Gallatin Counties.
FHA affordability around Roosevelt County
An FHA buyer near Roosevelt County faces an estimated $450,000 median, a $15,750 down payment, and — after Montana's 0.74% property tax — a monthly cost around $3,314. That suits household income of roughly $128,000, above Montana's $66,341 median household income, so budget carefully.
FHA payment scenarios in Roosevelt County
Whether you are buying in Roosevelt County or a smaller Roosevelt 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 — $324,000 | $11,340 | $2,419 |
| Local median — $450,000 | $15,750 | $3,314 |
| At the FHA limit — $541,287 | $18,945 | $3,962 |
Estimates include FHA MIP plus Montana property taxes and insurance. Rates move daily near Roosevelt County too — get notified.
Buyers across Roosevelt County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $15,750 down payment near Roosevelt County into little out of pocket.
Multi-unit FHA limits in Roosevelt County
Investors and house-hackers in Roosevelt County and across Roosevelt 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 Roosevelt County for 2026?
- In Roosevelt County (Roosevelt 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 Roosevelt County with FHA?
- For a median-priced ($450,000) Roosevelt County home, plan on income around $128,000 at a 31% housing ratio — about $3,314/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Roosevelt County?
- 3.5% with a 580+ score — roughly $15,750 on a $450,000 Roosevelt County-area home. Gift funds are allowed.
- Is Roosevelt County a high-cost FHA area?
- No — Roosevelt County uses the $541,287 national floor for one unit.