First mortgage
Habitat for Humanity Gallatin Valley Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Down payment assistance · Gallatin County
Buying a home in Belgrade, MT
1 Belgrade program and 11 statewide.Belgrade has 1 program of its own, and 11 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Belgrade addresses
Belgrade’s own program
The Belgrade marketThe Belgrade housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Belgrade
- 59.2% single-familysingle-family
- 10.7% townhousetownhouse
- 16% 2–4 units2–4 units
- 9.6% 5+ unitscondo & apartment buildings (5+ units)
- 4.5% mobile & othermobile home & other
About condos. Belgrade’s one local program does not list condos as eligible. Habitat for Humanity Gallatin Valley Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Belgrade’s homes were built
pre-19401970s2020+
19.4%
of Belgrade homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$130,200
County area median income, 4 people (HUD)HUD area median income, Gallatin County, 4-person household (2026)
$97,328
Belgrade median household incomeMedian household income in Belgrade (Census, 2024)
14 of the 74 programs here set their income limit as a share of Gallatin County’s area median income, adjusted for household size. See the published limits for Gallatin County
Free help nearbyFree help near Belgrade
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Belgrade’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Habitat for Humanity Gallatin Valley Homeownership Program asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Montana and nationwide
73 statewide & federal programs11 statewide programs, plus federal options
Belgrade questions
Does Belgrade have its own down payment program?
Yes, one: Habitat for Humanity Gallatin Valley Homeownership Program, a first mortgage for first-time homebuyers (new construction, income limits). It is for homes inside Belgrade.
Can I use assistance on a condo in Belgrade?
Belgrade’s one local program does not list condos as eligible. Habitat for Humanity Gallatin Valley Homeownership Program lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Gallatin County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Gallatin County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Belgrade?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Belgrade. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
59714
Sources
Sources: agency sites (June–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.