Phillips County, Montana has a 2026 one-unit conforming loan limit of $832,750, which is 4.2 times the county's median home value of $197,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $53,417 (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) | $197,600 |
| Montana median home value | $375,800 |
| Limit ÷ median home value | 4.21× |
| Median household income | $53,417 |
| Median home value ÷ income | 3.7× |
| Population | 4,221 |
| Median property tax paid (owners) | $1,551 |
| Effective property tax rate (approx.) | 0.78% |
| Owner-occupied homes | 73.5% |
| Home value rank in Montana | 42 of 56 counties |
| Neighbor: Blaine County, MT | limit $832,750; median home $155,500 |
| Neighbor: Fergus County, MT | limit $832,750; median home $236,100 |
| Neighbor: Garfield County, MT | limit $832,750; median home $169,900 |
| Neighbor: Petroleum County, MT | limit $832,750; median home $201,400 |
| 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. Phillips County's median home value is 47% below the state median of $375,800 (rank 42 of 56). Among its 5 neighboring counties, Fergus County has the highest median home value ($236,100) and Blaine County the lowest ($155,500); all share the same loan limit. Owners pay a median $1,551 a year in property tax, an effective rate of about 0.78% 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: Phillips County, AR
- 2026 conforming loan limit: Phillips County, CO
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- 2026 conforming loan limit: Pickaway County, OH
- 2026 conforming loan limit: Pickens County, AL
- 2026 conforming loan limit: Pickens County, GA
- 2026 conforming loan limit: Pickens County, SC
Last updated 2026-10-16. Data only, not financial or tax advice.