Veterans with full entitlement have no VA loan limit in Montana. With reduced entitlement, 2026 county limits in Montana range from $832,750 to $832,750 (Beaverhead County).
How VA limits work
Since 2020, the VA does not cap loans for borrowers with full entitlement. If you have an active VA loan, or a past one whose entitlement wasn’t restored (reduced entitlement), the VA guarantees up to 25% of the county limit minus the entitlement already used. Above that, you may need a down payment.
2026 county limits in Montana (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| Beaverhead County | $832,750 | $541,287 |
| Big Horn County | $832,750 | $541,287 |
| Blaine County | $832,750 | $541,287 |
| Broadwater County | $832,750 | $541,287 |
| Carbon County | $832,750 | $754,400 |
| Carter County | $832,750 | $541,287 |
| Cascade County | $832,750 | $541,287 |
| Chouteau County | $832,750 | $541,287 |
| Custer County | $832,750 | $541,287 |
| Daniels County | $832,750 | $541,287 |
| Dawson County | $832,750 | $541,287 |
| Deer Lodge County | $832,750 | $541,287 |
| Fallon County | $832,750 | $541,287 |
| Fergus County | $832,750 | $541,287 |
| Flathead County | $832,750 | $615,250 |
| Gallatin County | $832,750 | $718,750 |
| Garfield County | $832,750 | $541,287 |
| Glacier County | $832,750 | $541,287 |
| Golden Valley County | $832,750 | $541,287 |
| Granite County | $832,750 | $541,287 |
| Hill County | $832,750 | $541,287 |
| Jefferson County | $832,750 | $541,287 |
| Judith Basin County | $832,750 | $541,287 |
| Lake County | $832,750 | $541,287 |
| Lewis and Clark County | $832,750 | $541,287 |
| Liberty County | $832,750 | $541,287 |
| Lincoln County | $832,750 | $541,287 |
| Madison County | $832,750 | $541,287 |
| McCone County | $832,750 | $541,287 |
| Meagher County | $832,750 | $541,287 |
| Mineral County | $832,750 | $598,000 |
| Missoula County | $832,750 | $598,000 |
| Musselshell County | $832,750 | $541,287 |
| Park County | $832,750 | $563,500 |
| Petroleum County | $832,750 | $541,287 |
| Phillips County | $832,750 | $541,287 |
| Pondera County | $832,750 | $541,287 |
| Powder River County | $832,750 | $541,287 |
| Powell County | $832,750 | $541,287 |
| Prairie County | $832,750 | $541,287 |
| Ravalli County | $832,750 | $560,050 |
| Richland County | $832,750 | $541,287 |
| Roosevelt County | $832,750 | $541,287 |
| Rosebud County | $832,750 | $541,287 |
| Sanders County | $832,750 | $541,287 |
| Sheridan County | $832,750 | $541,287 |
| Silver Bow County | $832,750 | $541,287 |
| Stillwater County | $832,750 | $754,400 |
| Sweet Grass County | $832,750 | $541,287 |
| Teton County | $832,750 | $541,287 |
| Toole County | $832,750 | $541,287 |
| Treasure County | $832,750 | $541,287 |
| Valley County | $832,750 | $541,287 |
| Wheatland County | $832,750 | $541,287 |
| Wibaux County | $832,750 | $541,287 |
| Yellowstone County | $832,750 | $754,400 |
Source: FHFA 2026 conforming loan limits, which the VA uses as county limits; HUD CY2026 FHA limits. Not lending advice.
Major Cities & Counties in Montana
Largest by population (Census ACS 2020–2024). Property tax for each:
- Billings pop. 119,434
- Missoula pop. 76,514
- Great Falls pop. 60,329
- Bozeman pop. 56,114
- Butte-Silver Bow (balance) pop. 35,052
- Helena pop. 33,639
- Kalispell pop. 28,504
- Belgrade pop. 11,872
- Evergreen pop. 9,611
- Anaconda-Deer Lodge County pop. 9,597
- Yellowstone County pop. 168,957
- Gallatin County pop. 124,074
- Missoula County pop. 120,672
- Flathead County pop. 110,695
- Cascade County pop. 84,606
- Lewis and Clark County pop. 73,464
- Ravalli County pop. 46,727
- Silver Bow County pop. 35,785
- Lake County pop. 32,561
- Lincoln County pop. 21,175
Frequently asked questions
Is there a VA loan limit in Montana?
Veterans with full entitlement have no VA loan limit in Montana. With reduced entitlement, 2026 county limits in Montana range from $832,750 to $832,750 (Beaverhead County).
What is the maximum VA loan for 2026?
No maximum with full entitlement. With reduced entitlement, the baseline county limit is $832,750, higher in high-cost counties.