Carbon County, Montana loan limits 2026
FIPS 30009 · 10 ZIP codes, e.g. 59007, 59008, 59013, 59014, 59026, 59029 · metro area (CBSA) 13740
In Carbon County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $754,400. Anything above $832,750 is a jumbo loan.
Does my loan fit?
How much home fits under the limit?
The highest home price you can buy with a loan that still fits the 2026 limit, at that down payment. Your actual budget depends on income, debts, rates and the lender.
Conforming limit in Carbon County, 2024–2026
Single-family limit set by the FHFA each year. The 2027 limits are announced in late November 2026 — this page updates automatically.
Loan limits by number of units
| Property | Conforming 2026 | FHA 2026 | Conforming vs. 2025 |
|---|---|---|---|
| 1 unit (single-family) | $832,750 | $754,400 | +3.3% |
| 2 units | $1,066,250 | $965,750 | +3.3% |
| 3 units | $1,288,800 | $1,167,400 | +3.3% |
| 4 units | $1,601,750 | $1,450,800 | +3.3% |
Conforming limits (FHFA) apply to loans bought by Fannie Mae and Freddie Mac; VA loans with partial entitlement use the same county limit. FHA limits (HUD) cap FHA-insured mortgages. Carbon County is in metro area CBSA 13740; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $113,000 · Billings, MT HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $59,800 | $68,400 | $76,900 | $85,450 | $92,300 | $99,150 | $105,950 | $112,800 |
| Very low income (50%) | $37,400 | $42,700 | $48,050 | $53,400 | $57,650 | $61,950 | $66,250 | $70,500 |
| Extremely low income (30%) | $22,450 | $25,650 | $28,850 | $33,000 | $38,680 | $44,360 | $50,040 | $55,720 |
Used for housing assistance and many down-payment and first-time-buyer programs. Programs set their own rules; check the program you apply to.
Fair market rent FY2027
| Unit | Fair market rent FY2027 | FY2026 | Change |
|---|---|---|---|
| Studio | $1,003/mo | $1,016 | -1.3% |
| 1 bedroom | $1,132/mo | $1,109 | +2.1% |
| 2 bedrooms | $1,432/mo | $1,417 | +1.1% |
| 3 bedrooms | $1,983/mo | $1,951 | +1.6% |
| 4 bedrooms | $2,261/mo | $2,216 | +2% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Billings, MT HUD Metro FMR Area.
Same metro area
Counties in CBSA 13740 share the same loan limits.
Other counties in Montana
Highest limits first.
Official figures, not a loan offer. Limits come from FHFA and HUD publications. Loanlimitmap.com is an independent site — not a government website and not a lender. Whether you qualify for a loan is decided by your lender; check the current figures with them.
Questions
What is the conforming loan limit in Carbon County, MT for 2026?
$832,750 for a one-unit property ($1,066,250 for 2 units, $1,288,800 for 3, $1,601,750 for 4), set by the FHFA; it was $806,500 in 2025.
What is the FHA loan limit in Carbon County?
$754,400 for a single-family home in 2026 (HUD), up to $1,450,800 for a four-unit property.
What counts as a jumbo loan in Carbon County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Carbon County in 2026.
What are the HUD income limits in Carbon County?
For a family of four (FY2026): low income $85,450, very low income $53,400, extremely low income $33,000; area median family income $113,000.
What is the fair market rent in Carbon County?
$1,432 a month for a two-bedroom unit in FY2027 (HUD), $1,132 for one bedroom.