Fergus County, Montana has a 2026 one-unit conforming loan limit of $832,750, which is 3.5 times the county's median home value of $236,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $63,706 (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) | $236,100 |
| Montana median home value | $375,800 |
| Limit ÷ median home value | 3.53× |
| Median household income | $63,706 |
| Median home value ÷ income | 3.7× |
| Population | 11,687 |
| Median property tax paid (owners) | $1,769 |
| Effective property tax rate (approx.) | 0.75% |
| Owner-occupied homes | 63.4% |
| Home value rank in Montana | 28 of 56 counties |
| Neighbor: Blaine County, MT | limit $832,750; median home $155,500 |
| Neighbor: Chouteau County, MT | limit $832,750; median home $207,800 |
| Neighbor: Golden Valley County, MT | limit $832,750; median home $212,200 |
| Neighbor: Judith Basin County, MT | limit $832,750; median home $238,300 |
| Neighbor: Musselshell County, MT | limit $832,750; median home $235,000 |
| Neighbor: Petroleum County, MT | limit $832,750; median home $201,400 |
| Neighbor: Phillips County, MT | limit $832,750; median home $197,600 |
| Neighbor: Wheatland County, MT | limit $832,750; median home $180,800 |
Across Montana's 56 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Fergus County's median home value is 37% below the state median of $375,800 (rank 28 of 56). Among its 8 neighboring counties, Judith Basin County has the highest median home value ($238,300) and Blaine County the lowest ($155,500); all share the same loan limit. Owners pay a median $1,769 a year in property tax, an effective rate of about 0.75% 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
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- 2026 conforming loan limit: Ferry County, WA
- 2026 conforming loan limit: Fillmore County, MN
- 2026 conforming loan limit: Fillmore County, NE
- 2026 conforming loan limit: Finney County, KS
- 2026 conforming loan limit: Fisher County, TX
Last updated 2026-10-16. Data only, not financial or tax advice.