Loan Limits / Montana / Lewis And Clark County
2026 Loan Limits · Montana · HELENA, MT
Lewis And Clark County, MT.
2026 conforming and FHA loan limits, calibrated to a median sales price of $441,000.
Median Sales Price
$441,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$541,287
Floor
Jumbo Threshold
> $832,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
Standard conforming| 1-unit (single-family) | $832,750 |
| 2-unit (duplex) | $1,066,250 |
| 3-unit (triplex) | $1,288,800 |
| 4-unit (fourplex) | $1,601,750 |
FHA Forward (203b)
Floor| 1-unit (single-family) | $541,287 |
| 2-unit (duplex) | $693,050 |
| 3-unit (triplex) | $837,700 |
| 4-unit (fourplex) | $1,041,125 |
About this county
About Lewis And Clark County
Lewis and Clark County is a county located in the U.S. state of Montana. As of the 2020 census, the population was 70,973. Its county seat and most populous city is Helena, the state capital. The numerical designation for Lewis and Clark County is 5. The county was established on June 2, 1865, as one of the nine original counties of the Territory of Montana named Edgerton County in honor of Sidney Edgerton, first Governor of the Territory of Montana, and was renamed Lewis and Clark County on March 1, 1868, in honor of explorers Meriwether Lewis and William Clark. Lewis and Clark County is part of the Helena, Montana Micropolitan Statistical Area, and comprises the entirety of the Helena media market. Read more on Wikipedia →
Population
72,580
U.S. Census ACS 2023
Median Household Income
$74,543
U.S. Census ACS 2023
Median Home Value (Census)
$358,200
Owner-occupied · ACS 2023
Owner-Occupancy Rate
70%
Of occupied housing
What these limits mean for buyers in Lewis And Clark County
The 2026 conforming 1-unit limit for Lewis And Clark County is $832,750. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. Lewis And Clark County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $541,287. The HUD CHUMS table pegs the median sales price for Lewis And Clark County at $441,000. This matches the FHA national floor — Lewis And Clark County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Lewis And Clark County ($441,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
Lewis And Clark County 2-, 3-, and 4-unit conforming limits are $1,066,250, $1,288,800, and $1,601,750 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in Lewis And Clark County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.