The 1998 NCAA Division I-AA football season, part of college football in the United States organized by the National Collegiate Athletic Association (NCAA) at the Division I-AA level, began in August 1998, and concluded with the 1998 NCAA Division I-AA Football Championship Game on December 19, 1998, at Finley Stadium in Chattanooga, Tennessee.

The UMass Minutemen won their first I-AA championship, defeating the Georgia Southern Eagles by a score of 55−43.

[1] Atlantic 10 Conference – Richmond Big Sky Conference – Montana Gateway Football Conference – Western Illinois Ivy League – Penn Metro Atlantic Athletic Conference – Fairfield and Georgetown Mid-Eastern Athletic Conference – Florida A&M and Hampton Northeast Conference – Monmouth and Robert Morris Ohio Valley Conference – Tennessee State Patriot League – Lehigh Pioneer Football League – Drake Southern Conference – Georgia Southern Southland Football League – Northwestern State Southwestern Athletic Conference – Southern * Denotes host institution

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