Montana FHA Loan Limits 2026

View FHA loan limits for all 56 counties in Montana. Select a county below to calculate your FHA monthly payment with local limits applied.

Counties

Lowest Limit

$541,287

Highest Limit

$754,400

High-Cost Areas

About 2026 FHA limits: The national floor is $541,287 and the ceiling is $1,249,125.Montana has 47 standard-limit counties and 9 high-cost areas. Limits are set by HUD based on median home prices.

FHA Loan Limits by County

County	1-Unit	2-Unit	3-Unit	4-Unit	Type
Beaverhead Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Big Horn Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Blaine County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Broadwater Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Carbon County	$754,400	$965,750	$1,167,400	$1,450,800	High-Cost	Calculate
Carter County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cascade County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Chouteau Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Custer County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Daniels County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dawson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Deer Lodge Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Fallon County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Fergus County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Flathead Count	$615,250	$787,650	$952,050	$1,183,200	High-Cost	Calculate
Gallatin Count	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Garfield Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Glacier County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Golden Valley	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Granite County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hill County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jefferson Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Judith Basin C	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lake County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lewis And Clar	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Liberty County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lincoln County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Madison County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mccone County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Meagher County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mineral County	$598,000	$765,550	$925,350	$1,150,000	High-Cost	Calculate
Missoula Count	$598,000	$765,550	$925,350	$1,150,000	High-Cost	Calculate
Musselshell Co	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Park County	$563,500	$721,400	$872,000	$1,083,650	High-Cost	Calculate
Petroleum Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Phillips Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pondera County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Powder River C	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Powell County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Prairie County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ravalli County	$560,050	$716,950	$866,650	$1,077,050	High-Cost	Calculate
Richland Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Roosevelt Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Rosebud County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Sanders County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Sheridan Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Silver Bow Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Stillwater Cou	$754,400	$965,750	$1,167,400	$1,450,800	High-Cost	Calculate
Sweet Grass Co	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Teton County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Toole County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Treasure Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Valley County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wheatland Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wibaux County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Yellowstone Co	$754,400	$965,750	$1,167,400	$1,450,800	High-Cost	Calculate

Calculate Your FHA Payment in Montana

Use the calculator below with Montana pre-selected. Choose your county to see the exact FHA limit that applies to you.

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FHA Loan Calculator

Calculate FHA loan payments including upfront and monthly mortgage insurance premiums.

Data last updated: January 2026

FHA Loan Details

State

County

Home Price$400,000

$50,000$2,000,000

Down Payment3.5% ($14,000)

3.5%30%

Credit Score Range

Interest Rate

FHA rates are typically similar to conventional rates

Loan Term

Property Tax Rate (Annual)

Your FHA Loan Estimate

Total Monthly Payment

$3,081.61

Principal, interest, MIP, taxes & insurance

Principal & Interest$2,418.26

Monthly MIP$180.01

Property Tax$366.67

Home Insurance$116.67

Total Monthly$3,081.61

FHA Mortgage Insurance

Upfront MIP (1.75%)$6,755

Monthly MIP (0.55%/yr)$180.01/mo

Upfront MIP is financed into the loan. Monthly MIP is required for the life of the loan (for most FHA loans with less than 10% down).

Base Loan Amount

$386,000

Total Loan Amount

$392,755

Including upfront MIP

FHA vs Conventional Comparison

FHA Monthly Payment$3,081.61

Conventional Monthly*$3,085.18

Difference-$3.57/mo

*Conventional estimate assumes same rate with PMI at 0.7% until 20% equity. Actual rates and PMI may vary.

FHA Loan Benefits

Lower credit score requirements (580+ for 3.5% down)
Low down payment (3.5% minimum)
Down payment can come from gifts or grants
More flexible DTI requirements (up to 57%)

Your estimated FHA payment: $3,081.61/mo

FHA rates vary by lender. Get matched with FHA-approved lenders competing for your business.

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Disclaimer: FHA loan limits and MIP rates are subject to change. This calculator uses 2026 HUD data. Verify eligibility with an FHA-approved lender.

Frequently Asked Questions

What is FHA mortgage insurance premium (MIP)?

FHA MIP consists of two parts: an upfront premium of 1.75% of the loan amount (usually financed into the loan) and an annual premium of 0.55% paid monthly. Unlike conventional PMI, FHA MIP typically lasts the life of the loan for loans with less than 10% down.

What are the 2026 FHA loan limits?

For 2026, FHA loan limits range from $541,287 (floor) to $1,249,125 (ceiling) for single-family homes. The exact limit depends on your county. High-cost areas like San Francisco and New York have limits at the ceiling, while most areas are at or near the floor.

How much is FHA MIP in 2026?

In 2026, FHA MIP is 1.75% upfront (financed into the loan) plus 0.55% annually for most loans. On a $300,000 loan, that is $5,250 upfront and approximately $138 per month in ongoing MIP.

What credit score do I need for an FHA loan?

FHA loans require a minimum credit score of 580 for the 3.5% down payment program. Borrowers with scores between 500-579 may qualify with 10% down. Most lenders prefer 620+ for better rates and easier approval.

Can I remove MIP from my FHA loan?

For FHA loans originated after June 2013 with less than 10% down, MIP lasts the life of the loan. To remove it, you would need to refinance into a conventional loan once you have 20% equity. Loans with 10%+ down have MIP for 11 years.

Related Calculators

Mortgage DTI Closing Costs Down Payment Amortization First-Time Buyer Rent vs Buy

Understanding FHA Loan Limits in Montana

FHA loan limits in Montana vary by county and are set annually by the U.S. Department of Housing and Urban Development (HUD). For 2026, Montana's single-family FHA limits range from $541,287 to $754,400.

The variation in limits reflects differences in median home prices across Montana's counties. 9 counties are designated as high-cost areas with limits above the national floor of $541,287.

How FHA Limits Affect Your Home Purchase

The FHA loan limit for your county is the maximum mortgage amount you can obtain with an FHA loan. If you need to borrow more than your county's limit, you may need to consider a conventional loan or make a larger down payment. FHA loans require a minimum 3.5% down payment with a credit score of 580 or higher.

Other States

Looking at other states? Return to the FHA Calculator to explore limits in any state and county across the U.S.