What is the USDA loan income limit in Montana?

In most Montana counties the USDA Guaranteed Loan moderate-income limit is $119,850 for a 1-4 person household and $158,250 for a 5-8 person household, from the FY 2025 USDA table effective 06/18/2025 and still in effect for 2026. Higher-cost metro counties can have higher limits, so confirm the exact county row in USDA's income-limit PDF.

Which areas of Montana are USDA eligible?

Nearly all of Montana outside its handful of small cities — the High Plains east and the mountain valleys west — is USDA-eligible. The largest urbanized cities — Billings, Missoula and Great Falls — and their immediate suburbs are excluded from the USDA Section 502 Guaranteed Loan eligible-area map, while the surrounding smaller communities generally remain eligible. Always confirm a specific address, because boundaries can run mid-street.

Is the USDA income limit the most I can borrow in Montana?

No. The income limit only screens whether your household is eligible for the program. The loan amount is set separately by a USDA-approved lender using repayment income and the 29% PITI / 41% total-debt ratio guidelines; USDA sets no maximum loan amount.

USDA by state

USDA loan income limits and eligible areas in Montana

Montana USDA Section 502 Guaranteed Loan income limits, the eligible-area context for its rural communities, and the official USDA sources behind both — then run the live address and income precheck.

Income limits verified 2026-06-18

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Montana income limit

In most Montana counties the USDA Guaranteed Loan moderate-income limit is $119,850 for a 1-4 person household and $158,250 for a 5-8 person household (FY 2025 USDA table, effective 06/18/2025, still in effect for 2026).

Eligible areas in Montana

Nearly all of Montana outside its handful of small cities — the High Plains east and the mountain valleys west — is USDA-eligible. The urbanized cores of Billings, Missoula and Great Falls are excluded from the USDA map; their surrounding rural communities generally remain eligible.

Deep dive

A USDA Guaranteed Loan in Montana turns on two separate USDA tests: whether the property sits in a USDA-eligible rural area, and whether household income is within the county income limit. Both must hold before a lender underwrites the file.

Montana income limits by household size

USDA HB-1-3555 Appendix 5 sets the moderate-income limit per county and household-size band. Across most Montana counties the floor is $119,850 (1-4 people) and $158,250(5-8 people). For households above eight, USDA adds 8% of the four-person limit per additional person. The figure is adjusted annual household income after USDA's allowable deductions, not gross pay.

Where Montana limits can be higher

Higher-cost metro counties can exceed the $119,850 / $158,250 floor. This precheck applies the national floor when a specific Montanacounty row has not been ingested and labels it as a fallback, so confirm the exact county or metro row in USDA's official income-limit PDF.

Checking a Montana address

USDA eligibility is address-level, not ZIP-level: one ZIP can straddle eligible and ineligible ground, and boundaries often run mid-street near Billings and other urbanized edges. Enter a complete Montanastreet address in the live precheck to geocode the point and test it against USDA Rural Development's ineligible-area layer.

After the precheck

Save the Montana address, county, household size, income, and check date. A USDA-approved lender and the Montana USDA Rural Development state office confirm the official county row and final eligibility. Income eligibility is not a loan amount — the lender sets that with the 29% PITI / 41% total-debt ratios.

Common questions

USDA loans in Montana — answers to the questions buyers ask

What is the USDA loan income limit in Montana?: In most Montana counties the USDA Guaranteed Loan moderate-income limit is $119,850 for a 1-4 person household and $158,250 for a 5-8 person household, from the FY 2025 USDA table effective 06/18/2025 and still in effect for 2026. Higher-cost metro counties can have higher limits, so confirm the exact county row in USDA's income-limit PDF.
Which areas of Montana are USDA eligible?: Nearly all of Montana outside its handful of small cities — the High Plains east and the mountain valleys west — is USDA-eligible. The largest urbanized cities — Billings, Missoula and Great Falls — and their immediate suburbs are excluded from the USDA Section 502 Guaranteed Loan eligible-area map, while the surrounding smaller communities generally remain eligible. Always confirm a specific address, because boundaries can run mid-street.
Is the USDA income limit the most I can borrow in Montana?: No. The income limit only screens whether your household is eligible for the program. The loan amount is set separately by a USDA-approved lender using repayment income and the 29% PITI / 41% total-debt ratio guidelines; USDA sets no maximum loan amount.

Primary sources

Verified USDA sources for Montana

USDA Single Family Housing income limits (HB-1-3555 Appendix 5, FY 2025) — MontanaDate retrieved: 2026-06-18
USDA Rural Development Eligibility portal (property area)Date retrieved: 2026-06-19
USDA Rural Development state offices (find the Montana office)Date retrieved: 2026-06-19
USDA Single Family Housing Guaranteed Loan ProgramDate retrieved: 2026-06-19

Related checks

Pair the Montana income figures with the address and income workflows, then compare neighboring states.

USDA income limits by county USDA property eligibility by address USDA income eligibility map USDA loans in Nebraska USDA loans in Nevada All states

Sources

USDA area layerreadyVerified 2026-06-18 Census geocoderaddress inputVerified 2026-06-18 USDA income limitsFY 2025 snapshotUSDA FY 2025 income limits (effective 06/18/2025), still in effect for 2026; Verified 2026-06-18

This is an independent planning aid, not a USDA determination. USDA Rural Development indicates whether an address sits in an eligible area as of the check date; USDA and a USDA-approved lender make the final property and income eligibility decision in Montana.