Gallatin County, Montana loan limits 2026
FIPS 30031 · 11 ZIP codes, e.g. 59714, 59715, 59718, 59719, 59730, 59741 · metro area (CBSA) 14580
In Gallatin County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $718,750. 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 Gallatin 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 | $718,750 | +3.3% |
| 2 units | $1,066,250 | $920,150 | +3.3% |
| 3 units | $1,288,800 | $1,112,250 | +3.3% |
| 4 units | $1,601,750 | $1,382,250 | +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. Gallatin County is in metro area CBSA 14580; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $130,200 · Bozeman, MT MSA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $72,950 | $83,350 | $93,750 | $104,150 | $112,500 | $120,850 | $129,150 | $137,500 |
| Very low income (50%) | $45,600 | $52,100 | $58,600 | $65,100 | $70,350 | $75,550 | $80,750 | $85,950 |
| Extremely low income (30%) | $27,350 | $31,250 | $35,150 | $39,050 | $42,200 | $45,300 | $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 | $1,469/mo | $1,485 | -1.1% |
| 1 bedroom | $1,612/mo | $1,642 | -1.8% |
| 2 bedrooms | $2,109/mo | $2,154 | -2.1% |
| 3 bedrooms | $2,920/mo | $2,996 | -2.5% |
| 4 bedrooms | $3,487/mo | $3,537 | -1.4% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Bozeman, MT MSA.
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 Gallatin 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 Gallatin County?
$718,750 for a single-family home in 2026 (HUD), up to $1,382,250 for a four-unit property.
What counts as a jumbo loan in Gallatin County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Gallatin County in 2026.
What are the HUD income limits in Gallatin County?
For a family of four (FY2026): low income $104,150, very low income $65,100, extremely low income $39,050; area median family income $130,200.
What is the fair market rent in Gallatin County?
$2,109 a month for a two-bedroom unit in FY2027 (HUD), $1,612 for one bedroom.