How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

2025 FHA Loan Limits in Montana

Updated on:

We are committed to providing accurate content that helps you make informed money decisions. Our partners have not commissioned or endorsed this content. Read our .

FHA loan limits apply to mortgages backed by the Federal Housing Administration (FHA). These limits are updated every year to reflect fluctuations in housing prices that occur over time, and they vary across the United States depending on the county and state.

Montana FHA loan limits for single-family homes range from $524,225 in most areas to as high as $754,400 in a handful of more expensive counties. The counties with the highest FHA loan limits of $754,400 in Montana are Carbon, Stillwater and Yellowstone. Also note that higher limits apply for multifamily homes with up to four units that are purchased using an FHA loan in the state.

This guide includes county-by-county FHA loan limits in Montana for your reference, plus some tips to help you qualify for this type of home loan.

Montana FHA loan limits by county

Montana single-family FHA loan limits

County name	One unit	Two units	Three units	Four units	Median sales price
BEAVERHEAD	$524,225	$671,200	$811,275	$1,008,300	$324,000
BIG HORN	$524,225	$671,200	$811,275	$1,008,300	$237,000
BLAINE	$524,225	$671,200	$811,275	$1,008,300	$177,000
BROADWATER	$524,225	$671,200	$811,275	$1,008,300	$407,000
CARBON	$754,400	$965,750	$1,167,400	$1,450,800	$435,000
CARTER	$524,225	$671,200	$811,275	$1,008,300	$157,000
CASCADE	$524,225	$671,200	$811,275	$1,008,300	$302,000
CHOUTEAU	$524,225	$671,200	$811,275	$1,008,300	$255,000
CUSTER	$524,225	$671,200	$811,275	$1,008,300	$298,000
DANIELS	$524,225	$671,200	$811,275	$1,008,300	$241,000
DAWSON	$524,225	$671,200	$811,275	$1,008,300	$178,000
DEER LODGE	$524,225	$671,200	$811,275	$1,008,300	$273,000
FALLON	$524,225	$671,200	$811,275	$1,008,300	$343,000
FERGUS	$524,225	$671,200	$811,275	$1,008,300	$274,000
FLATHEAD	$572,700	$733,150	$886,200	$1,101,350	$498,000
GALLATIN	$718,750	$920,150	$1,112,250	$1,382,250	$625,000
GARFIELD	$524,225	$671,200	$811,275	$1,008,300	$245,000
GLACIER	$524,225	$671,200	$811,275	$1,008,300	$169,000
GOLDEN VALLEY	$524,225	$671,200	$811,275	$1,008,300	$155,000
GRANITE	$524,225	$671,200	$811,275	$1,008,300	$364,000
HILL	$524,225	$671,200	$811,275	$1,008,300	$272,000
JEFFERSON	$524,225	$671,200	$811,275	$1,008,300	$408,000
JUDITH BASIN	$524,225	$671,200	$811,275	$1,008,300	$140,000
LAKE	$524,225	$671,200	$811,275	$1,008,300	$407,000
LEWIS AND CLARK	$524,225	$671,200	$811,275	$1,008,300	$408,000
LIBERTY	$524,225	$671,200	$811,275	$1,008,300	$122,000
LINCOLN	$524,225	$671,200	$811,275	$1,008,300	$297,000
MADISON	$524,225	$671,200	$811,275	$1,008,300	$438,000
MCCONE	$524,225	$671,200	$811,275	$1,008,300	$177,000
MEAGHER	$524,225	$671,200	$811,275	$1,008,300	$244,000
MINERAL	$524,225	$671,200	$811,275	$1,008,300	$325,000
MISSOULA	$560,050	$716,950	$866,650	$1,077,050	$487,000
MUSSELSHELL	$524,225	$671,200	$811,275	$1,008,300	$329,000
PARK	$563,500	$721,400	$872,000	$1,083,650	$463,000
PETROLEUM	$524,225	$671,200	$811,275	$1,008,300	$170,000
PHILLIPS	$524,225	$671,200	$811,275	$1,008,300	$264,000
PONDERA	$524,225	$671,200	$811,275	$1,008,300	$193,000
POWDER RIVER	$524,225	$671,200	$811,275	$1,008,300	$95,000
POWELL	$524,225	$671,200	$811,275	$1,008,300	$336,000
PRAIRIE	$524,225	$671,200	$811,275	$1,008,300	$156,000
RAVALLI	$524,225	$671,200	$811,275	$1,008,300	$437,000
RICHLAND	$524,225	$671,200	$811,275	$1,008,300	$365,000
ROOSEVELT	$524,225	$671,200	$811,275	$1,008,300	$168,000
ROSEBUD	$524,225	$671,200	$811,275	$1,008,300	$197,000
SANDERS	$524,225	$671,200	$811,275	$1,008,300	$297,000
SHERIDAN	$524,225	$671,200	$811,275	$1,008,300	$181,000
SILVER BOW	$524,225	$671,200	$811,275	$1,008,300	$265,000
STILLWATER	$754,400	$965,750	$1,167,400	$1,450,800	$435,000
SWEET GRASS	$524,225	$671,200	$811,275	$1,008,300	$326,000
TETON	$524,225	$671,200	$811,275	$1,008,300	$322,000
TOOLE	$524,225	$671,200	$811,275	$1,008,300	$192,000
TREASURE	$524,225	$671,200	$811,275	$1,008,300	$312,000
VALLEY	$524,225	$671,200	$811,275	$1,008,300	$270,000
WHEATLAND	$524,225	$671,200	$811,275	$1,008,300	$242,000
WIBAUX	$524,225	$671,200	$811,275	$1,008,300	$113,000
YELLOWSTONE	$754,400	$965,750	$1,167,400	$1,450,800	$435,000

How are FHA loan limits determined?

FHA loan limits have both a “floor” and a “ceiling.” The FHA loan limit floor is the limit borrowers can qualify for in lower-cost areas of a state, and the ceiling is the maximum loan limit that applies nationwide.

Loan limits vary by county across the country. This ensures potential homeowners can take out larger FHA loans in areas where median housing prices are higher than normal.

FHA loan limits are adjusted each year based on changes in housing prices that occur due to economic factors and overall demand for housing. In 2025, FHA loan limits for single-family homes around the country range from $524,225 to $1,209,750 in most higher-cost areas. Alaska, Hawaii, Guam and the U.S. Virgin Islands have even higher limits of $1,814,625 because they are designated as special exception areas due to higher housing costs and other factors.

How to qualify for an FHA loan in Montana

While FHA loans are guaranteed by the Federal Housing Administration (FHA), these home loans are offered through private lenders. There are also some minimum requirements that need to be met to qualify for an FHA loan in Montana and elsewhere in the country.

For example, Montana homebuyers need to have the minimum down payment requirement for FHA loans, and they also need to meet credit requirements to get approved. Other requirements apply as well.

Here’s a rundown of basic FHA loan requirements that apply in Montana and other states.

Credit score requirements: FHA loans require a minimum credit score of 580 if you make a down payment of 3.5% of the purchase price. You can also qualify with a minimum credit score of 500 if your down payment is at least 10%.
Down payment: You can put down as little as 3.5% of the home price with an FHA loan, so long as your credit score is at least 580.
Appraisal requirements: FHA loans require a specific type of appraisal that outlines the current value of the property while also ensuring it meets FHA safety standards for occupancy.
Debt-to-income ratio: Your debt-to-income (DTI) ratio shows how your monthly debt payments compare to your gross monthly income, represented by a percentage. Most FHA lenders want to see a DTI ratio of 43% or below, which means your monthly debt obligations make up no more than 43% of your gross monthly pay.
Loan limits: FHA loans need to come under loan limits in the state of Montana, which range from $524,225 for single-family homes in most areas to $754,400 in more expensive counties across the state.
Mortgage insurance: FHA mortgage insurance is charged upfront as part of the closing costs for the loan as well as on a monthly basis.
Occupancy requirements: FHA loans are for primary residences only, and homebuyers have to commit to living in the home for at least one year. This is even true for multifamily homes purchased with FHA loans.

Buying a multifamily property with an FHA loan

While FHA loans are a good choice for single-family homes, many homebuyers may not know that these loans can also be used for multifamily properties with up to four units. This means homebuyers could find a duplex, triplex or home with four units and buy it with as little as 3.5% down, provided they meet all other FHA loan requirements.

Homeowners are required to live in one of the units for at least one year, after which they can rent out that unit as well and move somewhere else. This makes FHA loans ideal for house hacking strategies, where the homeowner lives in one unit, rents out the others and uses the monthly rent payments to cover all or part of the mortgage. The fact that buyers only have to live in one of the units for a year also makes FHA loans an option for longer-term real estate investment strategies.

Also note that FHA loan limits are higher for multifamily properties. The chart below shows the lowest possible FHA loan limit that applies to homes with two to four units nationwide.