Madison County, Montana has a 2026 one-unit conforming loan limit of $832,750, which is 1.8 times the county's median home value of $470,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $75,250 (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) | $470,100 |
| Montana median home value | $375,800 |
| Limit ÷ median home value | 1.77× |
| Median household income | $75,250 |
| Median home value ÷ income | 6.2× |
| Population | 9,223 |
| Median property tax paid (owners) | $1,937 |
| Effective property tax rate (approx.) | 0.41% |
| Owner-occupied homes | 81.0% |
| Home value rank in Montana | 5 of 56 counties |
| Neighbor: Fremont County, ID | limit $832,750; median home $314,200 |
| Neighbor: Beaverhead County, MT | limit $832,750; median home $308,300 |
| Neighbor: Gallatin County, MT | limit $832,750; median home $667,600 |
| Neighbor: Jefferson County, MT | limit $832,750; median home $446,900 |
| 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. Madison County's median home value is 25% above the state median of $375,800 (rank 5 of 56). Among its 5 neighboring counties, Gallatin County has the highest median home value ($667,600) and Silver Bow County the lowest ($255,200); all share the same loan limit. Owners pay a median $1,937 a year in property tax, an effective rate of about 0.41% 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: Madison County, KY
- 2026 conforming loan limit: Madison County, MO
- 2026 conforming loan limit: Madison County, MS
- 2026 conforming loan limit: Madison County, NC
- 2026 conforming loan limit: Madison County, NE
- 2026 conforming loan limit: Madison County, NY
- 2026 conforming loan limit: Madison County, OH
- 2026 conforming loan limit: Madison County, TN
Last updated 2026-10-16. Data only, not financial or tax advice.