Full of charming homes set against one of the country’s most beautiful landscapes, Montana has always been a great place to live and work. And now, thanks to the Rural Development Loan Program, owning a home in this great state just got a little easier. Backed by the U.S government, these USDA loans offer an affordable alternative to a traditional home loan.

Advantages of seeking a USDA Loan to Finance Your Montana Property Include:

  • Finance 100% of Your Montana Home Loan
  • Flexible Credit Guidelines
  • Low Fixed Interest Rates
  • No Loan Amount Limitations on Montana Property

Montana Areas that Qualify for Rural Development Loans

Too many Montana residents assume that because these government-insured loans are backed by the United States Department of Agriculture that only properties located within rural farming communities qualify. In truth, USDA Loans were designed to encourage economic growth in smaller communities located all throughout Big Sky Country. This includes communities that lie just outside city limits and communities with less than 20,000 people.

For this reason, you should never assume that your Montana area does not qualify for a USDA Loan. The experts here at Consumer Real Estate Finance Co. are here to help, fill out the application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

Montana’s USDA Loan Income Limits by County

You should be aware that there are certain maximum income limits that help to determine eligibility. In addition to a credit evaluation, your annual salary cannot exceed the limits set for your county:

Montana USDA Loan Adjusted Maximum Income Limits by County
Updated 05/01/2009

STATE:MONTANA PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Billings MT MSA VERY LOW INCOME 22650 25850 29100 32300 34900 37500 40100 42650
LOW INCOME 36200 41350 46550 51700 55850 59950 64100 68250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Great Falls MT MSA VERY LOW INCOME 20800 23800 26750 29700 32100 34500 36850 39250
LOW INCOME 33250 38000 42750 47500 51300 55100 58900 62700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Missoula MT MSA VERY LOW INCOME 22000 25150 28300 31400 33950 36450 38950 41450
LOW INCOME 35200 40200 45250 50250 54250 58300 62300 66350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Beaverhead County MT VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Big Horn County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Blaine County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Broadwater County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Carter County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Chouteau County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Custer County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Daniels County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Dawson County MT VERY LOW INCOME 23000 26300 29600 32850 35500 38150 40750 43400
LOW INCOME 36800 42050 47300 52550 56750 60950 65150 69350
MOD.INC-GUAR.LOAN 75550 75550 75550 75550 99750 99750 99750 99750
Deer Lodge County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Fallon County MT VERY LOW INCOME 23000 26300 29600 32850 35500 38150 40750 43400
LOW INCOME 36800 42050 47300 52550 56750 60950 65150 69350
MOD.INC-GUAR.LOAN 75550 75550 75550 75550 99750 99750 99750 99750
Fergus County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Flathead County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Gallatin County MT VERY LOW INCOME 24900 28450 32000 35550 38400 41250 44100 46950
LOW INCOME 39850 45500 51200 56900 61450 66000 70550 75100
MOD.INC-GUAR.LOAN 81800 81800 81800 81800 108000 108000 108000 108000
Garfield County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Glacier County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Golden Valley CountyMT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Granite County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hill County MT VERY LOW INCOME 20900 23900 26900 29850 32250 34650 37050 39450
LOW INCOME 33450 38200 43000 47750 51550 55400 59200 63050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jefferson County MT VERY LOW INCOME 26250 30000 33750 37450 40450 43450 46450 49450
LOW INCOME 41950 47900 53900 59900 64700 69500 74300 79050
MOD.INC-GUAR.LOAN 86100 86100 86100 86100 113650 113650 113650 113650
Judith Basin County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lake County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lewis and Clark County MT VERY LOW INCOME 24800 28350 31900 35400 38250 41100 43900 46750
LOW INCOME 39650 45300 51000 56650 61200 65700 70250 74800
MOD.INC-GUAR.LOAN 81450 81450 81450 81450 107500 107500 107500 107500
Liberty County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lincoln County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Madison County MT VERY LOW INCOME 20550 23450 26400 29300 31650 34000 36350 38700
LOW INCOME 32850 37500 42200 46900 50650 54400 58150 61900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
McCone County MT VERY LOW INCOME 21700 24800 27900 30950 33450 35950 38400 40900
LOW INCOME 34650 39600 44550 49500 53450 57400 61400 65350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Meagher County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Mineral County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Musselshell County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Park County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Petroleum County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Phillips County MT VERY LOW INCOME 20600 23550 26500 29400 31800 34150 36500 38850
LOW INCOME 32950 37650 42350 47050 50800 54600 58350 62100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pondera County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Powder River CountyMT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Powell County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Prairie County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Ravalli County MT VERY LOW INCOME 20450 23400 26300 29200 31550 33900 36250 38550
LOW INCOME 32700 37350 42050 46700 50450 54150 57900 61650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Richland County MT VERY LOW INCOME 21900 25000 28150 31250 33750 36250 38750 41250
LOW INCOME 35000 40000 45000 50000 54000 58000 62000 66000
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Roosevelt County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Rosebud County MT VERY LOW INCOME 21400 24450 27500 30550 33000 35450 37900 40350
LOW INCOME 34250 39100 44000 48900 52800 56700 60650 64550
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Sanders County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Sheridan County MT VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Silver Bow County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Stillwater County MT VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 79950 79950 79950 79950 105550 105550 105550 105550
Sweet Grass County MT VERY LOW INCOME 21150 24200 27200 30200 32650 35050 37450 39900
LOW INCOME 33800 38650 43450 48300 52150 56050 59900 63750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Teton County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Toole County MT VERY LOW INCOME 21400 24450 27500 30550 33000 35450 37900 40350
LOW INCOME 34250 39100 44000 48900 52800 56700 60650 64550
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Treasure County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Valley County MT VERY LOW INCOME 20900 23900 26900 29850 32250 34650 37050 39450
LOW INCOME 33450 38200 43000 47750 51550 55400 59200 63050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Wheatland County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Wibaux County MT VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Seward County NE HUD Metro FMR Area VERY LOW INCOME 26800 30600 34450 38250 41350 44400 47450 50500
LOW INCOME 42850 48950 55100 61200 66100 71000 75900 80800
MOD.INC-GUAR.LOAN 88000 88000 88000 88000 116150 116150 116150 116150
Saunders County NE HUD Metro FMR Area VERY LOW INCOME 25700 29350 33000 36650 39600 42550 45450 48400
LOW INCOME 41050 46900 52800 58650 63350 68050 72750 77400
MOD.INC-GUAR.LOAN 84300 84300 84300 84300 111300 111300 111300 111300
Adams County NE VERY LOW INCOME 22400 25600 28800 31950 34550 37100 39650 42200
LOW INCOME 35750 40900 46000 51100 55200 59300 63350 67450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Antelope County NE VERY LOW INCOME 20950 23950 26950 29900 32300 34700 37100 39500
LOW INCOME 33500 38300 43050 47850 51700 55500 59350 63150
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Arthur County NE VERY LOW INCOME 20950 23950 26950 29900 32300 34700 37100 39500
LOW INCOME 33500 38300 43050 47850 51700 55500 59350 63150
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650

 

As a Montana resident, you do not have to navigate the sometimes confusing USDA Loan application process alone. The certified agents at Consumer Real Estate Finance Co. are here to help. Contact us today for assistance!