Lewis and Clark County, Montana loan limits 2026
FIPS 30049 · 14 ZIP codes, e.g. 59410, 59601, 59602, 59604, 59620, 59623 · metro area (CBSA) 25740
In Lewis and Clark County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $541,287. 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 Lewis and Clark 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 | $541,287 | +3.3% |
| 2 units | $1,066,250 | $693,050 | +3.3% |
| 3 units | $1,288,800 | $837,700 | +3.3% |
| 4 units | $1,601,750 | $1,041,125 | +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. Lewis and Clark County is in metro area CBSA 25740; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $122,400 · Lewis and Clark County, MT HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $65,900 | $75,350 | $84,750 | $94,150 | $101,650 | $109,200 | $116,750 | $124,300 |
| Very low income (50%) | $41,150 | $47,050 | $52,950 | $58,850 | $63,550 | $68,300 | $72,950 | $77,700 |
| Extremely low income (30%) | $24,750 | $28,250 | $31,800 | $35,300 | $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 | $1,151/mo | $1,136 | +1.3% |
| 1 bedroom | $1,320/mo | $1,319 | +0.1% |
| 2 bedrooms | $1,653/mo | $1,647 | +0.4% |
| 3 bedrooms | $2,289/mo | $2,250 | +1.7% |
| 4 bedrooms | $2,392/mo | $2,496 | -4.2% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Lewis and Clark County, MT HUD Metro FMR Area.
Same metro area
Counties in CBSA 25740 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 Lewis and Clark 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 Lewis and Clark County?
$541,287 for a single-family home in 2026 (HUD), up to $1,041,125 for a four-unit property.
What counts as a jumbo loan in Lewis and Clark County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Lewis and Clark County in 2026.
What are the HUD income limits in Lewis and Clark County?
For a family of four (FY2026): low income $94,150, very low income $58,850, extremely low income $35,300; area median family income $122,400.
What is the fair market rent in Lewis and Clark County?
$1,653 a month for a two-bedroom unit in FY2027 (HUD), $1,320 for one bedroom.