Gallatin County, Montana has a 2026 one-unit conforming loan limit of $832,750, which is 1.2 times the county's median home value of $667,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $93,528 (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) | $667,600 |
| Montana median home value | $375,800 |
| Limit ÷ median home value | 1.25× |
| Median household income | $93,528 |
| Median home value ÷ income | 7.1× |
| Population | 124,074 |
| Median property tax paid (owners) | $3,933 |
| Effective property tax rate (approx.) | 0.59% |
| Owner-occupied homes | 61.1% |
| Home value rank in Montana | 1 of 56 counties |
| Neighbor: Fremont County, ID | limit $832,750; median home $314,200 |
| Neighbor: Broadwater County, MT | limit $832,750; median home $426,600 |
| Neighbor: Jefferson County, MT | limit $832,750; median home $446,900 |
| Neighbor: Madison County, MT | limit $832,750; median home $470,100 |
| Neighbor: Meagher County, MT | limit $832,750; median home $259,800 |
| Neighbor: Park County, MT | limit $832,750; median home $467,500 |
| Neighbor: Park County, WY | limit $832,750; median home $400,500 |
| Neighbor: Teton County, WY | limit $1,249,125; median home $1,633,900 |
Across Montana's 56 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Gallatin County's median home value is 78% above the state median of $375,800 (rank 1 of 56). Among its 8 neighboring counties, Teton County has the highest median home value ($1,633,900) and Meagher County the lowest ($259,800); 1 neighbor(s) have a different loan limit. Owners pay a median $3,933 a year in property tax, an effective rate of about 0.59% 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: Galax City, VA
- 2026 conforming loan limit: Gallatin County, IL
- 2026 conforming loan limit: Gallatin County, KY
- 2026 conforming loan limit: Gallia County, OH
- 2026 conforming loan limit: Galveston County, TX
- 2026 conforming loan limit: Garden County, NE
- 2026 conforming loan limit: Garfield County, CO
- 2026 conforming loan limit: Garfield County, MT
Last updated 2026-10-16. Data only, not financial or tax advice.