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2026 Montana loan limits by county
Montana has 56 counties in the 2026 FHFA list. The highest one-unit conforming limit is $832,750 in Yellowstone County; the state median is $832,750. 0 of 56 are above the $832,750 national baseline. 47 sit at the 2026 FHA floor of $541,287.
- 56Counties listed
- $832,750Highest 1-unit conformingYellowstone County
- $832,750Median 1-unit conforming
- 47At FHA floorof 56
| County | Conforming 1-unit 2026 | Change vs 2025 | FHA 1-unit 2026 | Conforming 4-unit 2026 |
|---|---|---|---|---|
| Beaverhead County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Big Horn County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Blaine County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Broadwater County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Carbon County | $832,750 | +$26,250 (+3.3%) | $754,400 | $1,601,750 |
| Carter County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cascade County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Chouteau County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Custer County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Daniels County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Dawson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Deer Lodge County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Fallon County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Fergus County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Flathead County | $832,750 | +$26,250 (+3.3%) | $615,250 | $1,601,750 |
| Gallatin County | $832,750 | +$26,250 (+3.3%) | $718,750 | $1,601,750 |
| Garfield County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Glacier County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Golden Valley County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Granite County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hill County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jefferson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Judith Basin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lake County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lewis and Clark County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Liberty County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lincoln County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Madison County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| McCone County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Meagher County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mineral County | $832,750 | +$26,250 (+3.3%) | $598,000 | $1,601,750 |
| Missoula County | $832,750 | +$26,250 (+3.3%) | $598,000 | $1,601,750 |
| Musselshell County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Park County | $832,750 | +$26,250 (+3.3%) | $563,500 | $1,601,750 |
| Petroleum County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Phillips County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pondera County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Powder River County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Powell County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Prairie County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Ravalli County | $832,750 | +$26,250 (+3.3%) | $560,050 | $1,601,750 |
| Richland County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Roosevelt County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Rosebud County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Sanders County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Sheridan County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Silver Bow County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Stillwater County | $832,750 | +$26,250 (+3.3%) | $754,400 | $1,601,750 |
| Sweet Grass County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Teton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Toole County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Treasure County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Valley County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wheatland County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wibaux County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Yellowstone County | $832,750 | +$26,250 (+3.3%) | $754,400 | $1,601,750 |
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.