Richland County, Montana has a 2026 one-unit conforming loan limit of $832,750, which is 3.2 times the county's median home value of $263,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $73,084 (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) | $263,000 |
| Montana median home value | $375,800 |
| Limit ÷ median home value | 3.17× |
| Median household income | $73,084 |
| Median home value ÷ income | 3.6× |
| Population | 11,235 |
| Median property tax paid (owners) | $1,934 |
| Effective property tax rate (approx.) | 0.74% |
| Owner-occupied homes | 67.1% |
| Home value rank in Montana | 23 of 56 counties |
| Neighbor: Dawson County, MT | limit $832,750; median home $185,300 |
| Neighbor: Mccone County, MT | limit $832,750; median home $211,600 |
| Neighbor: Roosevelt County, MT | limit $832,750; median home $118,800 |
| Neighbor: Wibaux County, MT | limit $832,750; median home $98,600 |
| Neighbor: Mckenzie County, ND | limit $832,750; median home $349,600 |
| Neighbor: Williams County, ND | limit $832,750; median home $284,800 |
Across Montana's 56 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Richland County's median home value is 30% below the state median of $375,800 (rank 23 of 56). Among its 6 neighboring counties, Mckenzie County has the highest median home value ($349,600) and Wibaux County the lowest ($98,600); all share the same loan limit. Owners pay a median $1,934 a year in property tax, an effective rate of about 0.74% 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: Rich County, UT
- 2026 conforming loan limit: Richardson County, NE
- 2026 conforming loan limit: Richland County, IL
- 2026 conforming loan limit: Richland County, ND
- 2026 conforming loan limit: Richland County, OH
- 2026 conforming loan limit: Richland County, SC
- 2026 conforming loan limit: Richland County, WI
- 2026 conforming loan limit: Richland Parish, LA
Last updated 2026-10-16. Data only, not financial or tax advice.