Flathead County, Montana loan limits 2026
FIPS 30029 · 17 ZIP codes, e.g. 59901, 59903, 59904, 59912, 59913, 59916 · metro area (CBSA) 28060
In Flathead County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $615,250. 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 Flathead 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 | $615,250 | +3.3% |
| 2 units | $1,066,250 | $787,650 | +3.3% |
| 3 units | $1,288,800 | $952,050 | +3.3% |
| 4 units | $1,601,750 | $1,183,200 | +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. Flathead County is in metro area CBSA 28060; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $101,500 · Flathead County, MT
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $56,850 | $65,000 | $73,100 | $81,200 | $87,700 | $94,200 | $100,700 | $107,200 |
| Very low income (50%) | $35,550 | $40,600 | $45,700 | $50,750 | $54,850 | $58,900 | $62,950 | $67,000 |
| Extremely low income (30%) | $21,350 | $24,400 | $27,450 | $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 | $1,277/mo | $1,267 | +0.8% |
| 1 bedroom | $1,286/mo | $1,289 | -0.2% |
| 2 bedrooms | $1,682/mo | $1,691 | -0.5% |
| 3 bedrooms | $2,263/mo | $2,224 | +1.8% |
| 4 bedrooms | $2,626/mo | $2,837 | -7.4% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Flathead County, MT.
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 Flathead 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 Flathead County?
$615,250 for a single-family home in 2026 (HUD), up to $1,183,200 for a four-unit property.
What counts as a jumbo loan in Flathead County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Flathead County in 2026.
What are the HUD income limits in Flathead County?
For a family of four (FY2026): low income $81,200, very low income $50,750, extremely low income $33,000; area median family income $101,500.
What is the fair market rent in Flathead County?
$1,682 a month for a two-bedroom unit in FY2027 (HUD), $1,286 for one bedroom.