Flathead County, Montana has a 2026 one-unit conforming loan limit of $832,750, which is 1.6 times the county's median home value of $535,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $73,925 (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) | $535,500 |
| Montana median home value | $375,800 |
| Limit ÷ median home value | 1.56× |
| Median household income | $73,925 |
| Median home value ÷ income | 7.2× |
| Population | 110,695 |
| Median property tax paid (owners) | $3,120 |
| Effective property tax rate (approx.) | 0.58% |
| Owner-occupied homes | 72.4% |
| Home value rank in Montana | 2 of 56 counties |
| Neighbor: Glacier County, MT | limit $832,750; median home $165,100 |
| Neighbor: Lake County, MT | limit $832,750; median home $421,800 |
| Neighbor: Lewis And Clark County, MT | limit $832,750; median home $393,500 |
| Neighbor: Lincoln County, MT | limit $832,750; median home $296,500 |
| Neighbor: Missoula County, MT | limit $832,750; median home $472,100 |
| Neighbor: Pondera County, MT | limit $832,750; median home $206,100 |
| Neighbor: Powell County, MT | limit $832,750; median home $306,500 |
| Neighbor: Sanders County, MT | limit $832,750; median home $359,000 |
Across Montana's 56 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Flathead County's median home value is 42% above the state median of $375,800 (rank 2 of 56). Among its 8 neighboring counties, Missoula County has the highest median home value ($472,100) and Glacier County the lowest ($165,100); all share the same loan limit. Owners pay a median $3,120 a year in property tax, an effective rate of about 0.58% 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.
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Last updated 2026-10-16. Data only, not financial or tax advice.
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