Stillwater County, Montana loan limits 2026
FIPS 30095 · 8 ZIP codes, e.g. 59001, 59019, 59028, 59057, 59061, 59063 · metro area (CBSA) 13740
In Stillwater 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 Stillwater 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. Stillwater County is in metro area CBSA 13740; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $112,300 · Stillwater County, MT HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $62,900 | $71,900 | $80,900 | $89,850 | $97,050 | $104,250 | $111,450 | $118,650 |
| Very low income (50%) | $39,350 | $44,950 | $50,550 | $56,150 | $60,650 | $65,150 | $69,650 | $74,150 |
| Extremely low income (30%) | $23,600 | $27,000 | $30,350 | $33,700 | $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 | $885/mo | $884 | +0.1% |
| 1 bedroom | $972/mo | $958 | +1.5% |
| 2 bedrooms | $1,271/mo | $1,257 | +1.1% |
| 3 bedrooms | $1,760/mo | $1,748 | +0.7% |
| 4 bedrooms | $2,124/mo | $2,109 | +0.7% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Stillwater County, 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 Stillwater 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 Stillwater 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 Stillwater County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Stillwater County in 2026.
What are the HUD income limits in Stillwater County?
For a family of four (FY2026): low income $89,850, very low income $56,150, extremely low income $33,700; area median family income $112,300.
What is the fair market rent in Stillwater County?
$1,271 a month for a two-bedroom unit in FY2027 (HUD), $972 for one bedroom.