Missoula County, Montana loan limits 2026
FIPS 30063 · 16 ZIP codes, e.g. 59801, 59802, 59803, 59804, 59806, 59807 · metro area (CBSA) 33540
In Missoula County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $598,000. 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 Missoula 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 | $598,000 | +3.3% |
| 2 units | $1,066,250 | $765,550 | +3.3% |
| 3 units | $1,288,800 | $925,350 | +3.3% |
| 4 units | $1,601,750 | $1,150,000 | +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. Missoula County is in metro area CBSA 33540; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $110,100 · Missoula, MT HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $60,700 | $69,350 | $78,000 | $86,650 | $93,600 | $100,550 | $107,450 | $114,400 |
| Very low income (50%) | $37,950 | $43,300 | $48,700 | $54,150 | $58,500 | $62,850 | $67,150 | $71,500 |
| Extremely low income (30%) | $22,750 | $26,000 | $29,250 | $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 | $1,177/mo | $1,143 | +3% |
| 1 bedroom | $1,433/mo | $1,400 | +2.4% |
| 2 bedrooms | $1,690/mo | $1,655 | +2.1% |
| 3 bedrooms | $2,340/mo | $2,302 | +1.7% |
| 4 bedrooms | $2,825/mo | $2,776 | +1.8% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Missoula, MT HUD Metro FMR Area.
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 Missoula 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 Missoula County?
$598,000 for a single-family home in 2026 (HUD), up to $1,150,000 for a four-unit property.
What counts as a jumbo loan in Missoula County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Missoula County in 2026.
What are the HUD income limits in Missoula County?
For a family of four (FY2026): low income $86,650, very low income $54,150, extremely low income $33,000; area median family income $110,100.
What is the fair market rent in Missoula County?
$1,690 a month for a two-bedroom unit in FY2027 (HUD), $1,433 for one bedroom.