FHA Loan Limits in Yellowstone County, Montana (2026)
In Yellowstone County — anchored by Yellowstone County — the 2026 FHA loan limit for a single-family home 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 Yellowstone County — Yellowstone County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Gallatin and Missoula Counties.
Affording a home in Yellowstone County & Yellowstone County
An FHA buyer near Yellowstone County faces an estimated $477,000 median, a $16,695 down payment, and — after Montana's 0.74% property tax — a monthly cost around $3,506. That suits household income of roughly $136,000, above Montana's $66,341 median household income, so budget carefully.
FHA payment scenarios in Yellowstone County
Whether you are buying in Yellowstone County or a smaller Yellowstone 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 — $343,000 | $12,005 | $2,554 |
| Local median — $477,000 | $16,695 | $3,506 |
| At the FHA limit — $541,287 | $18,945 | $3,962 |
Estimates include FHA MIP plus Montana property taxes and insurance. Rates move daily near Yellowstone County too — get notified.
Buyers across Yellowstone County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $16,695 down payment near Yellowstone County into little out of pocket.
Multi-unit FHA limits in Yellowstone County
Investors and house-hackers in Yellowstone County and across Yellowstone 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 Yellowstone County for 2026?
- In Yellowstone County (Yellowstone 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 Yellowstone County with FHA?
- For a median-priced ($477,000) Yellowstone County home, plan on income around $136,000 at a 31% housing ratio — about $3,506/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Yellowstone County?
- 3.5% with a 580+ score — roughly $16,695 on a $477,000 Yellowstone County-area home. Gift funds are allowed.
- Is Yellowstone County a high-cost FHA area?
- No — Yellowstone County uses the $541,287 national floor for one unit.