Montana Mortgage Rates
Live Mortgage Rates in Montana
6.615%
Montana Conventional Purchase benchmark (80% LTV, 780 FICO), updated Thursday, November 5, 2026 at 1:28 PM UTC
Sourced live from hundreds of wholesale lenders serving Montana
Montana Benchmark Rates
Lowest available rate with no discount points paid in Montana for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · Montana | 6.615% | 6.651% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · Montana | 5.990% | 6.025% |
VA VA Purchase (100% LTV, 680 FICO) · Montana | 5.990% | 6.021% |
2026 Loan Limits in Montana
Conforming (Conventional)
$832,750 baseline
Some Montana counties qualify as high-cost, with limits up to $1,249,125.
FHA
$541,287
Standard FHA limit. Select high-cost Montana counties allow more, up to $1,249,125.
VA
No loan limit
VA loans in Montana have no maximum when full entitlement is available.
USDA
Varies by area
USDA Rural Development loans follow area income limits rather than a state loan limit.
How Montana Mortgage Rates Are Calculated
The rates shown above reflect the lowest available wholesale pricing for Montana homebuyers and refinancers from the lenders Rate Direct actively monitors. Pricing is pulled live and refreshed hourly, so the number you see matches what a licensed mortgage broker could source at the time of the snapshot.
Your actual rate in Montana depends on your specific scenario - credit score, loan amount, property type, loan-to-value, and loan purpose all matter. A Helena buyer with 780 FICO at 80% LTV will price differently than one at 680 FICO or 95% LTV. To see your exact rate across hundreds of lenders, use the Rate Direct pricer.
Montana borrowers also have access to FHA, VA, and USDA programs with lower down payment requirements and more lenient credit guidelines. Compare all loan types on the Rate Index or explore down payment assistance programs.
Montana Mortgage Rates by Metro
See live mortgage rate benchmarks for specific Montana metros.
Get your personalized Montana mortgage rate
The rates above reflect the Montana market benchmark. Your actual rate depends on your scenario. See the lowest available rate with no discount points paid for your situation from hundreds of lenders serving Montana.