Lincoln County, Montana has a 2026 one-unit conforming loan limit of $832,750, which is 2.8 times the county's median home value of $296,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $47,143 (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) | $296,500 |
| Montana median home value | $375,800 |
| Limit ÷ median home value | 2.81× |
| Median household income | $47,143 |
| Median home value ÷ income | 6.3× |
| Population | 21,175 |
| Median property tax paid (owners) | $1,615 |
| Effective property tax rate (approx.) | 0.54% |
| Owner-occupied homes | 77.6% |
| Home value rank in Montana | 20 of 56 counties |
| Neighbor: Bonner County, ID | limit $832,750; median home $487,900 |
| Neighbor: Boundary County, ID | limit $832,750; median home $410,500 |
| Neighbor: Flathead County, MT | limit $832,750; median home $535,500 |
| 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. Lincoln County's median home value is 21% below the state median of $375,800 (rank 20 of 56). Among its 4 neighboring counties, Flathead County has the highest median home value ($535,500) and Sanders County the lowest ($359,000); all share the same loan limit. Owners pay a median $1,615 a year in property tax, an effective rate of about 0.54% 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: Lincoln County, MN
- 2026 conforming loan limit: Lincoln County, MO
- 2026 conforming loan limit: Lincoln County, MS
- 2026 conforming loan limit: Lincoln County, NC
- 2026 conforming loan limit: Lincoln County, NE
- 2026 conforming loan limit: Lincoln County, NM
- 2026 conforming loan limit: Lincoln County, NV
- 2026 conforming loan limit: Lincoln County, OK
Last updated 2026-10-16. Data only, not financial or tax advice.