Highest FHA limit in Montana
$754,400
In 2026, FHA one-unit limits in Montana range from $541,287 to $754,400 (Carbon County). 47 of 56 counties use the national floor.
47 of 56counties at the $541,287 floor
All Montana counties
| County | 1 unit | 2 units | 4 units | Conforming |
|---|---|---|---|---|
| Carbon County | $754,400 | $965,750 | $1,450,800 | $832,750 |
| Stillwater County | $754,400 | $965,750 | $1,450,800 | $832,750 |
| Yellowstone County | $754,400 | $965,750 | $1,450,800 | $832,750 |
| Gallatin County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Flathead County | $615,250 | $787,650 | $1,183,200 | $832,750 |
| Mineral County | $598,000 | $765,550 | $1,150,000 | $832,750 |
| Missoula County | $598,000 | $765,550 | $1,150,000 | $832,750 |
| Park County | $563,500 | $721,400 | $1,083,650 | $832,750 |
| Ravalli County | $560,050 | $716,950 | $1,077,050 | $832,750 |
| Beaverhead County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Big Horn County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Blaine County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Broadwater County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Carter County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cascade County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Chouteau County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Custer County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Daniels County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Dawson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Deer Lodge County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Fallon County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Fergus County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Garfield County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Glacier County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Golden Valley County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Granite County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hill County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jefferson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Judith Basin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lake County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lewis and Clark County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Liberty County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lincoln County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Madison County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| McCone County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Meagher County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Musselshell County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Petroleum County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Phillips County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pondera County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Powder River County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Powell County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Prairie County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Richland County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Roosevelt County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Rosebud County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sanders County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sheridan County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Silver Bow County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sweet Grass County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Teton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Toole County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Treasure County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Valley County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wheatland County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wibaux County | $541,287 | $693,050 | $1,041,125 | $832,750 |
Sources: HUD FHA forward mortgage limits CY2026 (CHUMS file, case numbers assigned on or after Jan 1, 2026); FHFA 2026 conforming loan limits; Freddie Mac PMMS 30-year average 7.40% (week of 2026-10-15) for payment examples, which cover principal and interest only, before FHA mortgage insurance, taxes and insurance. Not lending advice.
Frequently asked questions
What is the FHA loan limit in Montana for 2026?
In 2026, FHA one-unit limits in Montana range from $541,287 to $754,400 (Carbon County). 47 of 56 counties use the national floor.
What is the FHA floor for 2026?
$541,287 for a one-unit home. The high-cost ceiling is $1,249,125.