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 USDA 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

Quick Scroll
STATE:MONTANA PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Billings, MT HUD Metro FMR Area
VERY LOW INCOME 24950 28500 32050 35600 38450 41300 44150 47000
Apply Now LOW INCOME 39850 45550 51250 56950 61500 66050 70600 75150
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Golden Valley County, MT HUD Metro FMR Area
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Great Falls, MT MSA
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Missoula, MT MSA
VERY LOW INCOME 24650 28200 31700 35200 38050 40850 43650 46500
Apply Now LOW INCOME 39400 45050 50650 56300 60800 65300 69800 74300
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Beaverhead County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Big Horn County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Blaine County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Broadwater County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Carter County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Chouteau County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Custer County, MT
VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
Apply Now LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Daniels County, MT
VERY LOW INCOME 23750 27150 30550 33900 36650 39350 42050 44750
Apply Now LOW INCOME 38000 43400 48850 54250 58600 62950 67250 71600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Dawson County, MT
VERY LOW INCOME 24050 27500 30950 34350 37100 39850 42600 45350
Apply Now LOW INCOME 38450 43950 49450 54950 59350 63750 68150 72550
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Deer Lodge County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Fallon County, MT
VERY LOW INCOME 24550 28050 31550 35050 37900 40700 43500 46300
Apply Now LOW INCOME 39250 44900 50500 56100 60600 65100 69550 74050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Fergus County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Flathead County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Gallatin County, MT
VERY LOW INCOME 27700 31650 35600 39550 42750 45900 49050 52250
Apply Now LOW INCOME 44300 50650 56950 63300 68350 73450 78500 83550
MOD.INC-GUAR.LOAN 91000 91000 91000 91000 120100 120100 120100 120100
Garfield County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Glacier County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Granite County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Hill County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Jefferson County, MT
VERY LOW INCOME 27800 31750 35700 39650 42850 46000 49200 52350
Apply Now LOW INCOME 44400 50750 57100 63450 68550 73600 78700 83750
MOD.INC-GUAR.LOAN 91200 91200 91200 91200 120400 120400 120400 120400
Judith Basin County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lake County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lewis and Clark County, MT
VERY LOW INCOME 26600 30400 34200 38000 41050 44100 47150 50200
Apply Now LOW INCOME 42550 48650 54700 60800 65650 70550 75400 80250
MOD.INC-GUAR.LOAN 87400 87400 87400 87400 115350 115350 115350 115350
Liberty County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lincoln County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Madison County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
McCone County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Meagher County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Mineral County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Musselshell County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Park County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Petroleum County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Phillips County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Pondera County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Powder River County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Powell County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Prairie County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Ravalli County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Richland County, MT
VERY LOW INCOME 26950 30800 34650 38450 41550 44650 47700 50800
Apply Now LOW INCOME 43050 49200 55350 61500 66400 71350 76250 81200
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Roosevelt County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Rosebud County, MT
VERY LOW INCOME 24750 28250 31800 35300 38150 40950 43800 46600
Apply Now LOW INCOME 39550 45200 50850 56500 61000 65550 70050 74600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Sanders County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Sheridan County, MT
VERY LOW INCOME 25500 29150 32800 36400 39350 42250 45150 48050
Apply Now LOW INCOME 40800 46600 52450 58250 62900 67550 72250 76900
MOD.INC-GUAR.LOAN 83750 83750 83750 83750 110550 110550 110550 110550
Silver Bow County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Stillwater County, MT
VERY LOW INCOME 26050 29800 33500 37200 40200 43200 46150 49150
Apply Now LOW INCOME 41650 47600 53550 59500 64250 69000 73800 78550
MOD.INC-GUAR.LOAN 85550 85550 85550 85550 112950 112950 112950 112950
Sweet Grass County, MT
VERY LOW INCOME 23550 26900 30250 33600 36300 39000 41700 44400
Apply Now LOW INCOME 37650 43000 48400 53750 58050 62350 66650 70950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Teton County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Toole County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Treasure County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Valley County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Wheatland County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Wibaux County, MT
VERY LOW INCOME 23350 26700 30050 33350 36050 38700 41400 44050
Apply Now LOW INCOME 37350 42700 48000 53350 57600 61900 66150 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150

 

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!