Montana 2025 FHA Loan Limits

Last Updated: Sun, January 5, 2025

Loan Limits in Montana

Montana has 56 counties with FHA Limits ranging from a low of $524,225 for a 1-bedroom unit in Beaverhead County to a high of $1,450,800 for a 4-bedroom unit in Carbon County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Montana's counties, choose the county from the interactive map or the list below.

Lowest Loan Limit ($1,008,300) †

Highest Loan Limit ($1,450,800)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in Montana (56 counties)

County	Single Unit Limit (lowest)	Four-Plex Limit (highest)
Beaverhead County	$524,225	$1,008,300	view details »
Big Horn County	$524,225	$1,008,300	view details »
Blaine County	$524,225	$1,008,300	view details »
Broadwater County	$524,225	$1,008,300	view details »
Carbon County	$754,400	$1,450,800	view details »
Carter County	$524,225	$1,008,300	view details »
Cascade County	$524,225	$1,008,300	view details »
Chouteau County	$524,225	$1,008,300	view details »
Custer County	$524,225	$1,008,300	view details »
Daniels County	$524,225	$1,008,300	view details »
Dawson County	$524,225	$1,008,300	view details »
Deer Lodge County	$524,225	$1,008,300	view details »
Fallon County	$524,225	$1,008,300	view details »
Fergus County	$524,225	$1,008,300	view details »
Flathead County	$572,700	$1,101,350	view details »
Gallatin County	$718,750	$1,382,250	view details »
Garfield County	$524,225	$1,008,300	view details »
Glacier County	$524,225	$1,008,300	view details »
Golden Valley County	$524,225	$1,008,300	view details »
Granite County	$524,225	$1,008,300	view details »
Hill County	$524,225	$1,008,300	view details »
Jefferson County	$524,225	$1,008,300	view details »
Judith Basin County	$524,225	$1,008,300	view details »
Lake County	$524,225	$1,008,300	view details »
Lewis And Clark County	$524,225	$1,008,300	view details »
Liberty County	$524,225	$1,008,300	view details »
Lincoln County	$524,225	$1,008,300	view details »
Mccone County	$524,225	$1,008,300	view details »
Madison County	$524,225	$1,008,300	view details »
Meagher County	$524,225	$1,008,300	view details »
Mineral County	$524,225	$1,008,300	view details »
Missoula County	$560,050	$1,077,050	view details »
Musselshell County	$524,225	$1,008,300	view details »
Park County	$563,500	$1,083,650	view details »
Petroleum County	$524,225	$1,008,300	view details »
Phillips County	$524,225	$1,008,300	view details »
Pondera County	$524,225	$1,008,300	view details »
Powder River County	$524,225	$1,008,300	view details »
Powell County	$524,225	$1,008,300	view details »
Prairie County	$524,225	$1,008,300	view details »
Ravalli County	$524,225	$1,008,300	view details »
Richland County	$524,225	$1,008,300	view details »
Roosevelt County	$524,225	$1,008,300	view details »
Rosebud County	$524,225	$1,008,300	view details »
Sanders County	$524,225	$1,008,300	view details »
Sheridan County	$524,225	$1,008,300	view details »
Silver Bow County	$524,225	$1,008,300	view details »
Stillwater County	$754,400	$1,450,800	view details »
Sweet Grass County	$524,225	$1,008,300	view details »
Teton County	$524,225	$1,008,300	view details »
Toole County	$524,225	$1,008,300	view details »
Treasure County	$524,225	$1,008,300	view details »
Valley County	$524,225	$1,008,300	view details »
Wheatland County	$524,225	$1,008,300	view details »
Wibaux County	$524,225	$1,008,300	view details »
Yellowstone County	$754,400	$1,450,800	view details »

How to qualify for an FHA Loan in Montana?

To qualify for an FHA loan in Montana, your home loan must be below the local FHA loan limits in your area. For 2025, the maximum loan limit in Montana is $524,225 for a single-family home and $1,450,800 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in Montana. Additional restricts apply. Click on the Montana map above or the table below to see loan limits in your area.

Montana 2025 FHA Loan Limits

Loan Limits in Montana

Loan Limits by County in Montana (56 counties)

How to qualify for an FHA Loan in Montana?

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