Jefferson County, Montana has a 2026 one-unit conforming loan limit of $832,750, which is 1.9 times the county's median home value of $446,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $95,490 (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) | $446,900 |
| Montana median home value | $375,800 |
| Limit ÷ median home value | 1.86× |
| Median household income | $95,490 |
| Median home value ÷ income | 4.7× |
| Population | 12,774 |
| Median property tax paid (owners) | $2,446 |
| Effective property tax rate (approx.) | 0.55% |
| Owner-occupied homes | 84.2% |
| Home value rank in Montana | 7 of 56 counties |
| Neighbor: Broadwater County, MT | limit $832,750; median home $426,600 |
| Neighbor: Deer Lodge County, MT | limit $832,750; median home $231,700 |
| Neighbor: Gallatin County, MT | limit $832,750; median home $667,600 |
| Neighbor: Lewis And Clark County, MT | limit $832,750; median home $393,500 |
| Neighbor: Madison County, MT | limit $832,750; median home $470,100 |
| Neighbor: Powell County, MT | limit $832,750; median home $306,500 |
| Neighbor: Silver Bow County, MT | limit $832,750; median home $255,200 |
Across Montana's 56 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Jefferson County's median home value is 19% above the state median of $375,800 (rank 7 of 56). Among its 7 neighboring counties, Gallatin County has the highest median home value ($667,600) and Deer Lodge County the lowest ($231,700); all share the same loan limit. Owners pay a median $2,446 a year in property tax, an effective rate of about 0.55% 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: Jefferson County, KY
- 2026 conforming loan limit: Jefferson County, MO
- 2026 conforming loan limit: Jefferson County, MS
- 2026 conforming loan limit: Jefferson County, NE
- 2026 conforming loan limit: Jefferson County, NY
- 2026 conforming loan limit: Jefferson County, OH
- 2026 conforming loan limit: Jefferson County, OK
- 2026 conforming loan limit: Jefferson County, OR
Last updated 2026-10-16. Data only, not financial or tax advice.