2026 conforming loan limits · Montana
All 56 counties in Montana use the same one-unit conforming limit of $832,750.
CY2026 Showing the 2026 FHFA dataset, effective 2026-01-01. Figures change only when FHFA publishes a new file.
Montana at a glance
| Metric | Value |
|---|---|
| Counties | 56 |
| Lowest one-unit conforming limit | $832,750 |
| Highest one-unit conforming limit | $832,750 |
| Distinct one-unit limits | 1 |
| Applicable baseline | $832,750 |
| Above the applicable baseline | 0 of 56 (0.0%) |
| At the applicable ceiling | 0 |
| Dataset year | CY2026 |
Every county in Montana carries the same one-unit limit, so there is no high-cost ranking to show.
Conforming and FHA limits by county
Two federal programs, two agencies, two different limits. The conforming figure is FHFA’s cap on what Fannie Mae and Freddie Mac may buy; the FHA figure is HUD’s cap on what FHA will insure. Neither governs the other.
| County | Metro | Conforming 1-unit (2026) | FHA 1-unit (2026) | Difference |
|---|---|---|---|---|
| Beaverhead County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Big Horn County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Blaine County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Broadwater County | HELENA, MT | $832,750 | $541,287 | $291,463 |
| Carbon County | BILLINGS, MT | $832,750 | $754,400 | $78,350 |
| Carter County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Cascade County | GREAT FALLS, MT | $832,750 | $541,287 | $291,463 |
| Chouteau County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Custer County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Daniels County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Dawson County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Deer Lodge County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Fallon County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Fergus County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Flathead County | KALISPELL, MT | $832,750 | $615,250 | $217,500 |
| Gallatin County | BOZEMAN, MT | $832,750 | $718,750 | $114,000 |
| Garfield County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Glacier County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Golden Valley County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Granite County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Hill County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Jefferson County | HELENA, MT | $832,750 | $541,287 | $291,463 |
| Judith Basin County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lake County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lewis And Clark County | HELENA, MT | $832,750 | $541,287 | $291,463 |
| Liberty County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lincoln County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Mccone County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Madison County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Meagher County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Mineral County | MISSOULA, MT | $832,750 | $598,000 | $234,750 |
| Missoula County | MISSOULA, MT | $832,750 | $598,000 | $234,750 |
| Musselshell County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Park County | Rural / Non-metro | $832,750 | $563,500 | $269,250 |
| Petroleum County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Phillips County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Pondera County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Powder River County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Powell County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Prairie County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Ravalli County | Rural / Non-metro | $832,750 | $560,050 | $272,700 |
| Richland County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Roosevelt County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Rosebud County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Sanders County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Sheridan County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Silver Bow County | BUTTE-SILVER BOW, MT | $832,750 | $541,287 | $291,463 |
| Stillwater County | BILLINGS, MT | $832,750 | $754,400 | $78,350 |
| Sweet Grass County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Teton County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Toole County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Treasure County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Valley County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Wheatland County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Wibaux County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Yellowstone County | BILLINGS, MT | $832,750 | $754,400 | $78,350 |
Two-, three- and four-unit conforming limits
FHFA publishes a separate limit for each property size. These are its published figures, not multiples of the one-unit limit.
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Beaverhead County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Big Horn County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Blaine County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Broadwater County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Carbon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Carter County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cascade County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Chouteau County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Custer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Daniels County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dawson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Deer Lodge County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fallon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fergus County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Flathead County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gallatin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Garfield County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Glacier County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Golden Valley County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Granite County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hill County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jefferson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Judith Basin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lake County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lewis And Clark County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Liberty County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lincoln County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mccone County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Madison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Meagher County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mineral County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Missoula County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Musselshell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Park County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Petroleum County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Phillips County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pondera County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Powder River County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Powell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Prairie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ravalli County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Richland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Roosevelt County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rosebud County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sanders County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sheridan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Silver Bow County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Stillwater County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sweet Grass County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Teton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Toole County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Treasure County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Valley County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wheatland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wibaux County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Yellowstone County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
Government sources
Federal Housing Finance Agency (FHFA) — Conforming Loan Limits by County (HERA-based)
Fields used: FIPS State Code; FIPS County Code; County Name; State; CBSA Number; One-Unit Limit; Two-Unit Limit; Three-Unit Limit; Four-Unit Limit
U.S. Department of Housing and Urban Development (HUD) — FHA Single Family Forward Mortgage Limits
Fields used: cols 073-079: one-unit forward mortgage limit; cols 080-086: two-unit forward mortgage limit; cols 087-093: three-unit forward mortgage limit; cols 094-100: four-unit forward mortgage limit; cols 101-102: state postal code; cols 103-105: county FIPS code; cols 000-009: CBSA/metro code (9999900000 = non-metro)