Garfield County, Montana has a 2026 one-unit conforming loan limit of $832,750, which is 4.9 times the county's median home value of $169,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $69,583 (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) | $169,900 |
| Montana median home value | $375,800 |
| Limit ÷ median home value | 4.90× |
| Median household income | $69,583 |
| Median home value ÷ income | 2.4× |
| Population | 1,094 |
| Median property tax paid (owners) | $1,052 |
| Effective property tax rate (approx.) | 0.62% |
| Owner-occupied homes | 72.2% |
| Home value rank in Montana | 48 of 56 counties |
| Neighbor: Custer County, MT | limit $832,750; median home $219,100 |
| Neighbor: Mccone County, MT | limit $832,750; median home $211,600 |
| Neighbor: Petroleum County, MT | limit $832,750; median home $201,400 |
| Neighbor: Phillips County, MT | limit $832,750; median home $197,600 |
| Neighbor: Prairie County, MT | limit $832,750; median home $165,700 |
| Neighbor: Rosebud County, MT | limit $832,750; median home $182,400 |
| Neighbor: Valley County, MT | limit $832,750; median home $198,400 |
Across Montana's 56 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Garfield County's median home value is 55% below the state median of $375,800 (rank 48 of 56). Among its 7 neighboring counties, Custer County has the highest median home value ($219,100) and Prairie County the lowest ($165,700); all share the same loan limit. Owners pay a median $1,052 a year in property tax, an effective rate of about 0.62% 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: Garfield County, CO
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- 2026 conforming loan limit: Garfield County, OK
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- 2026 conforming loan limit: Garfield County, WA
- 2026 conforming loan limit: Garland County, AR
Last updated 2026-10-16. Data only, not financial or tax advice.