Carter County, Montana has a 2026 one-unit conforming loan limit of $832,750, which is 4.2 times the county's median home value of $199,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $54,167 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $199,200 |
| Montana median home value | $375,800 |
| Limit ÷ median home value | 4.18× |
| Median household income | $54,167 |
| Median home value ÷ income | 3.7× |
| Population | 1,308 |
| Median property tax paid (owners) | $904 |
| Effective property tax rate (approx.) | 0.45% |
| Owner-occupied homes | 62.2% |
| Home value rank in Montana | 40 of 56 counties |
| Neighbor: Custer County, MT | limit $832,750; median home $219,100 |
| Neighbor: Fallon County, MT | limit $832,750; median home $244,800 |
| Neighbor: Powder River County, MT | limit $832,750; median home $192,100 |
| Neighbor: Butte County, SD | limit $832,750; median home $244,600 |
| Neighbor: Harding County, SD | limit $832,750; median home $166,100 |
| Neighbor: Crook County, WY | limit $832,750; median home $285,800 |
Across Montana's 56 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Carter County's median home value is 47% below the state median of $375,800 (rank 40 of 56). Among its 6 neighboring counties, Crook County has the highest median home value ($285,800) and Harding County the lowest ($166,100); all share the same loan limit. Owners pay a median $904 a year in property tax, an effective rate of about 0.45% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: Carson County, TX
- 2026 conforming loan limit: Carter County, KY
- 2026 conforming loan limit: Carter County, MO
- 2026 conforming loan limit: Carter County, OK
- 2026 conforming loan limit: Carter County, TN
- 2026 conforming loan limit: Carteret County, NC
- 2026 conforming loan limit: Carver County, MN
- 2026 conforming loan limit: Cascade County, MT
Last updated 2026-10-16. Data only, not financial or tax advice.