diff --git a/contrib/debian/openzfs-libpam-zfs.install b/contrib/debian/openzfs-libpam-zfs.install
index bafdebe9bb91..cf934fd9f811 100644
--- a/contrib/debian/openzfs-libpam-zfs.install
+++ b/contrib/debian/openzfs-libpam-zfs.install
@@ -1,2 +1,3 @@
 usr/lib/*/security/pam_zfs_key.so
+usr/share/man/man8/pam_zfs_key.8
 usr/share/pam-configs/zfs_key
diff --git a/contrib/pam_zfs_key/pam_zfs_key.c b/contrib/pam_zfs_key/pam_zfs_key.c
index 88698dedabbc..d5513b7a43f0 100644
--- a/contrib/pam_zfs_key/pam_zfs_key.c
+++ b/contrib/pam_zfs_key/pam_zfs_key.c
@@ -754,6 +754,82 @@ zfs_key_config_get_dataset(pam_handle_t *pamh, zfs_key_config_t *config)
 	return (ret);
 }
 
+/*
+ * Callback type for foreach_dataset.
+ * Returns 0 on success, -1 on failure.
+ */
+typedef int (*dataset_callback_t)(pam_handle_t *, zfs_key_config_t *,
+    const char *, void *);
+
+/*
+ * Iterate over comma-separated homes prefixes and call callback for each
+ * existing dataset. Returns number of successful callbacks, or -1 if none
+ * succeeded.
+ */
+static int
+foreach_dataset(pam_handle_t *pamh, zfs_key_config_t *config,
+    dataset_callback_t callback, void *data)
+{
+	if (config->homes_prefix == NULL)
+		return (-1);
+
+	/* Check if this is a comma-separated list */
+	if (strchr(config->homes_prefix, ',') == NULL) {
+		/* Single home - use existing logic */
+		char *dataset = zfs_key_config_get_dataset(pamh, config);
+		if (dataset == NULL)
+			return (-1);
+		int ret = callback(pamh, config, dataset, data);
+		free(dataset);
+		return (ret == 0 ? 1 : -1);
+	}
+
+	/* Multiple homes - parse and iterate */
+	pam_syslog(pamh, LOG_DEBUG,
+	    "processing multiple home prefixes: %s", config->homes_prefix);
+
+	char *homes_copy = strdup(config->homes_prefix);
+	if (homes_copy == NULL)
+		return (-1);
+
+	char *saved_prefix = config->homes_prefix;
+	char *saveptr;
+	char *token = strtok_r(homes_copy, ",", &saveptr);
+	int success_count = 0;
+	boolean_t failed = B_FALSE;
+
+	while (token != NULL) {
+		/* Temporarily set homes_prefix to this single prefix */
+		config->homes_prefix = token;
+		char *dataset = zfs_key_config_get_dataset(pamh, config);
+		if (dataset != NULL) {
+			pam_syslog(pamh, LOG_DEBUG,
+			    "processing dataset '%s' for prefix '%s'",
+			    dataset, token);
+			if (callback(pamh, config, dataset, data) == 0) {
+				success_count++;
+			} else {
+				failed = B_TRUE;
+				pam_syslog(pamh, LOG_WARNING,
+				    "operation failed for dataset '%s'",
+				    dataset);
+			}
+			free(dataset);
+		} else {
+			pam_syslog(pamh, LOG_DEBUG,
+			    "no dataset found for prefix '%s', skip", token);
+		}
+		token = strtok_r(NULL, ",", &saveptr);
+	}
+
+	config->homes_prefix = saved_prefix;
+	free(homes_copy);
+	pam_syslog(pamh, LOG_DEBUG,
+	    "processed %d datasets, %s",
+	    success_count, failed ? "with failures" : "all successful");
+	return (!failed && success_count > 0 ? success_count : -1);
+}
+
 static int
 zfs_key_config_modify_session_counter(pam_handle_t *pamh,
     zfs_key_config_t *config, int delta)
@@ -825,6 +901,15 @@ zfs_key_config_modify_session_counter(pam_handle_t *pamh,
 	return (counter_value);
 }
 
+/* Callback for authentication - verify password works (noop mode) */
+static int
+auth_callback(pam_handle_t *pamh, zfs_key_config_t *config,
+    const char *dataset, void *data)
+{
+	const char *passphrase = data;
+	return (decrypt_mount(pamh, config, dataset, passphrase, B_TRUE));
+}
+
 __attribute__((visibility("default")))
 PAM_EXTERN int
 pam_sm_authenticate(pam_handle_t *pamh, int flags,
@@ -857,21 +942,14 @@ pam_sm_authenticate(pam_handle_t *pamh, int flags,
 		zfs_key_config_free(&config);
 		return (PAM_SERVICE_ERR);
 	}
-	char *dataset = zfs_key_config_get_dataset(pamh, &config);
-	if (!dataset) {
-		pam_zfs_free();
-		zfs_key_config_free(&config);
-		return (PAM_SERVICE_ERR);
-	}
-	if (decrypt_mount(pamh, &config, dataset, token->value, B_TRUE) == -1) {
-		free(dataset);
-		pam_zfs_free();
-		zfs_key_config_free(&config);
-		return (PAM_AUTH_ERR);
-	}
-	free(dataset);
+
+	int ret = foreach_dataset(pamh, &config, auth_callback,
+	    (void *)token->value);
 	pam_zfs_free();
 	zfs_key_config_free(&config);
+	if (ret < 0) {
+		return (PAM_AUTH_ERR);
+	}
 	return (PAM_SUCCESS);
 }
 
@@ -884,6 +962,39 @@ pam_sm_setcred(pam_handle_t *pamh, int flags,
 	return (PAM_SUCCESS);
 }
 
+/* Context for password change callback */
+typedef struct {
+	const char *old_pass;
+	const char *new_pass;
+} chauthtok_ctx_t;
+
+/* Callback for password change */
+static int
+chauthtok_callback(pam_handle_t *pamh, zfs_key_config_t *config,
+    const char *dataset, void *data)
+{
+	chauthtok_ctx_t *ctx = data;
+	int was_loaded = is_key_loaded(pamh, dataset);
+	if (!was_loaded) {
+		int ret = decrypt_mount(pamh, config, dataset,
+		    ctx->old_pass, B_FALSE);
+		if (ret == -1) {
+			pam_syslog(pamh, LOG_ERR,
+			    "failed to load key for '%s' during "
+			    "password change", dataset);
+			return (-1);
+		}
+	}
+	int ret = change_key(pamh, dataset, ctx->new_pass);
+	if (ret == -1) {
+		pam_syslog(pamh, LOG_ERR,
+		    "failed to change key for dataset '%s'", dataset);
+	}
+	if (!was_loaded)
+		unmount_unload(pamh, dataset, config);
+	return (ret);
+}
+
 __attribute__((visibility("default")))
 PAM_EXTERN int
 pam_sm_chauthtok(pam_handle_t *pamh, int flags,
@@ -904,34 +1015,27 @@ pam_sm_chauthtok(pam_handle_t *pamh, int flags,
 	}
 	const pw_password_t *old_token = pw_get(pamh,
 	    PAM_OLDAUTHTOK, OLD_PASSWORD_VAR_NAME);
-	{
-		if (pam_zfs_init(pamh) != 0) {
-			zfs_key_config_free(&config);
-			return (PAM_SERVICE_ERR);
-		}
-		char *dataset = zfs_key_config_get_dataset(pamh, &config);
-		if (!dataset) {
-			pam_zfs_free();
-			zfs_key_config_free(&config);
-			return (PAM_SERVICE_ERR);
-		}
-		if (!old_token) {
-			pam_syslog(pamh, LOG_ERR,
-			    "old password from PAM stack is null");
-			free(dataset);
-			pam_zfs_free();
-			zfs_key_config_free(&config);
-			return (PAM_SERVICE_ERR);
-		}
-		if (decrypt_mount(pamh, &config, dataset,
-		    old_token->value, B_TRUE) == -1) {
-			pam_syslog(pamh, LOG_ERR,
-			    "old token mismatch");
-			free(dataset);
-			pam_zfs_free();
-			zfs_key_config_free(&config);
-			return (PAM_PERM_DENIED);
-		}
+
+	if (!old_token) {
+		pam_syslog(pamh, LOG_ERR,
+		    "old password from PAM stack is null");
+		zfs_key_config_free(&config);
+		return (PAM_SERVICE_ERR);
+	}
+
+	if (pam_zfs_init(pamh) != 0) {
+		zfs_key_config_free(&config);
+		return (PAM_SERVICE_ERR);
+	}
+
+	/* First verify old password works for all datasets */
+	int ret = foreach_dataset(pamh, &config, auth_callback,
+	    (void *)old_token->value);
+	if (ret < 0) {
+		pam_syslog(pamh, LOG_ERR, "old token mismatch");
+		pam_zfs_free();
+		zfs_key_config_free(&config);
+		return (PAM_PERM_DENIED);
 	}
 
 	if ((flags & PAM_UPDATE_AUTHTOK) != 0) {
@@ -944,41 +1048,51 @@ pam_sm_chauthtok(pam_handle_t *pamh, int flags,
 			pw_clear(pamh, OLD_PASSWORD_VAR_NAME);
 			return (PAM_SERVICE_ERR);
 		}
-		char *dataset = zfs_key_config_get_dataset(pamh, &config);
-		if (!dataset) {
-			pam_zfs_free();
-			zfs_key_config_free(&config);
-			pw_clear(pamh, OLD_PASSWORD_VAR_NAME);
-			pw_clear(pamh, PASSWORD_VAR_NAME);
-			return (PAM_SERVICE_ERR);
-		}
-		int was_loaded = is_key_loaded(pamh, dataset);
-		if (!was_loaded && decrypt_mount(pamh, &config, dataset,
-		    old_token->value, B_FALSE) == -1) {
-			free(dataset);
-			pam_zfs_free();
-			zfs_key_config_free(&config);
+
+		chauthtok_ctx_t ctx = {
+			.old_pass = old_token->value,
+			.new_pass = token->value
+		};
+
+		ret = foreach_dataset(pamh, &config, chauthtok_callback, &ctx);
+		pam_zfs_free();
+		zfs_key_config_free(&config);
+
+		if (ret < 0) {
 			pw_clear(pamh, OLD_PASSWORD_VAR_NAME);
 			pw_clear(pamh, PASSWORD_VAR_NAME);
 			return (PAM_SERVICE_ERR);
 		}
-		int changed = change_key(pamh, dataset, token->value);
-		if (!was_loaded) {
-			unmount_unload(pamh, dataset, &config);
-		}
-		free(dataset);
-		pam_zfs_free();
-		zfs_key_config_free(&config);
+
 		if (pw_clear(pamh, OLD_PASSWORD_VAR_NAME) == -1 ||
-		    pw_clear(pamh, PASSWORD_VAR_NAME) == -1 || changed == -1) {
+		    pw_clear(pamh, PASSWORD_VAR_NAME) == -1) {
 			return (PAM_SERVICE_ERR);
 		}
 	} else {
+		pam_zfs_free();
 		zfs_key_config_free(&config);
 	}
 	return (PAM_SUCCESS);
 }
 
+/* Callback for session open - decrypt and mount */
+static int
+open_session_callback(pam_handle_t *pamh, zfs_key_config_t *config,
+    const char *dataset, void *data)
+{
+	const char *passphrase = data;
+	return (decrypt_mount(pamh, config, dataset, passphrase, B_FALSE));
+}
+
+/* Callback for session close - unmount and unload */
+static int
+close_session_callback(pam_handle_t *pamh, zfs_key_config_t *config,
+    const char *dataset, void *data)
+{
+	(void) data;
+	return (unmount_unload(pamh, dataset, config));
+}
+
 PAM_EXTERN int
 pam_sm_open_session(pam_handle_t *pamh, int flags,
     int argc, const char **argv)
@@ -1016,22 +1130,15 @@ pam_sm_open_session(pam_handle_t *pamh, int flags,
 		zfs_key_config_free(&config);
 		return (PAM_SERVICE_ERR);
 	}
-	char *dataset = zfs_key_config_get_dataset(pamh, &config);
-	if (!dataset) {
-		pam_zfs_free();
-		zfs_key_config_free(&config);
-		return (PAM_SERVICE_ERR);
-	}
-	if (decrypt_mount(pamh, &config, dataset,
-	    token->value, B_FALSE) == -1) {
-		free(dataset);
-		pam_zfs_free();
-		zfs_key_config_free(&config);
-		return (PAM_SERVICE_ERR);
-	}
-	free(dataset);
+
+	int ret = foreach_dataset(pamh, &config, open_session_callback,
+	    (void *)token->value);
 	pam_zfs_free();
 	zfs_key_config_free(&config);
+
+	if (ret < 0) {
+		return (PAM_SERVICE_ERR);
+	}
 	if (pw_clear(pamh, PASSWORD_VAR_NAME) == -1) {
 		return (PAM_SERVICE_ERR);
 	}
@@ -1071,20 +1178,15 @@ pam_sm_close_session(pam_handle_t *pamh, int flags,
 			zfs_key_config_free(&config);
 			return (PAM_SERVICE_ERR);
 		}
-		char *dataset = zfs_key_config_get_dataset(pamh, &config);
-		if (!dataset) {
-			pam_zfs_free();
-			zfs_key_config_free(&config);
-			return (PAM_SESSION_ERR);
-		}
-		if (unmount_unload(pamh, dataset, &config) == -1) {
-			free(dataset);
-			pam_zfs_free();
+
+		int ret = foreach_dataset(pamh, &config,
+		    close_session_callback, NULL);
+		pam_zfs_free();
+
+		if (ret < 0) {
 			zfs_key_config_free(&config);
 			return (PAM_SESSION_ERR);
 		}
-		free(dataset);
-		pam_zfs_free();
 	}
 
 	zfs_key_config_free(&config);
diff --git a/man/Makefile.am b/man/Makefile.am
index 7a63641c1c39..171cc501f8d2 100644
--- a/man/Makefile.am
+++ b/man/Makefile.am
@@ -111,6 +111,7 @@ endif
 
 if BUILD_LINUX
 dist_man_MANS += \
+	%D%/man8/pam_zfs_key.8 \
 	%D%/man8/zfs-unzone.8 \
 	%D%/man8/zfs-zone.8
 endif
diff --git a/man/man8/pam_zfs_key.8 b/man/man8/pam_zfs_key.8
new file mode 100644
index 000000000000..f72602038a06
--- /dev/null
+++ b/man/man8/pam_zfs_key.8
@@ -0,0 +1,221 @@
+.\" SPDX-License-Identifier: BSD-3-Clause
+.\"
+.\" Copyright (c) 2020, Felix Dörre
+.\" All rights reserved.
+.\"
+.Dd December 24, 2025
+.Dt PAM_ZFS_KEY 8
+.Os
+.
+.Sh NAME
+.Nm pam_zfs_key
+.Nd PAM module for ZFS encryption key management
+.Sh SYNOPSIS
+.Nm pam_zfs_key.so
+.Op Ar options
+.
+.Sh DESCRIPTION
+.Nm
+is a PAM module that automatically manages encryption keys for ZFS
+datasets during user authentication and session management.
+When a user logs in, the module uses their password to unlock their encrypted
+home directory.
+When the last session closes, the module unmounts the dataset and unloads
+the key.
+.Pp
+The module tracks active sessions using reference counting to support multiple
+simultaneous logins from the same user.
+.Ss Multiple Home Prefixes
+When configured with multiple home prefixes, the module attempts operations
+on all matching datasets.
+Operations that succeed are not rolled back if others fail.
+The module returns success only if all operations succeed.
+.Pp
+For example, with datasets 1, 2, 3 where dataset 2 fails:
+.Bl -bullet -compact
+.It
+Auth/session: datasets 1 and 3 are unlocked and mounted, dataset 2 is not.
+.It
+Password change: datasets 1 and 3 have the new password,
+dataset 2 retains the old.
+.El
+.Pp
+With
+.Sy required ,
+login fails even though datasets 1 and 3 succeeded.
+With
+.Sy optional ,
+login proceeds.
+For password changes, datasets 1 and 3 are updated while dataset 2
+retains the old password.
+With
+.Sy required ,
+the user sees an error.
+With
+.Sy optional ,
+the user sees success and may not notice the inconsistency.
+Either way, passwords are left out of sync.
+.Pp
+Errors are logged to syslog.
+Use
+.Xr zfs-change-key 8
+to resync passwords after partial failure.
+.
+.Sh OPTIONS
+.Bl -tag -width "mount_recursively"
+.It Sy homes Ns = Ns Ar path Ns Oo , Ns Ar path2 Ns ... Oc
+Comma-separated list of dataset prefixes where user home directories
+are located.
+The module constructs the full dataset path as
+.Ar prefix Ns / Ns Ar username .
+Default:
+.Sy zroot/home
+on
+.Fx ,
+.Sy rpool/home
+on Linux.
+.It Sy runstatedir Ns = Ns Ar path
+Directory for storing session reference counts.
+Default:
+.Pa /var/run/pam_zfs_key .
+.It Sy uid_min Ns = Ns Ar uid
+Minimum user ID for which the module will operate.
+Default: 1000.
+.It Sy uid_max Ns = Ns Ar uid
+Maximum user ID for which the module will operate.
+Default: MAXUID.
+.It Sy nounmount
+Do not unmount datasets or unload encryption keys when sessions close.
+Datasets remain mounted and keys remain loaded.
+.It Sy forceunmount
+Force unmount datasets even if busy
+.Pq Dv MS_FORCE .
+.It Sy recursive_homes
+Recursively search for encrypted datasets under the homes prefix.
+.It Sy mount_recursively
+Mount and unmount child datasets recursively.
+.It Sy prop_mountpoint
+Find the user's dataset by matching the dataset's
+.Sy mountpoint
+property to the user's home directory from
+.Pa /etc/passwd ,
+instead of constructing the dataset name as
+.Ar prefix Ns / Ns Ar username .
+.El
+.
+.Sh FILES
+.Bl -tag -width Pa
+.It Pa /var/run/pam_zfs_key/ Ns Ar uid
+Session reference count files tracking active logins per user.
+.El
+.
+.Sh EXAMPLES
+.Ss Example 1: Basic Configuration
+Add to
+.Pa /etc/pam.d/system-auth :
+.Bd -literal -offset indent
+auth     optional  pam_zfs_key.so
+password optional  pam_zfs_key.so
+session  optional  pam_zfs_key.so
+.Ed
+.Pp
+This configuration uses default settings.
+User home datasets are expected at
+.Sy zroot/home/ Ns Ar username
+on
+.Fx
+or
+.Sy rpool/home/ Ns Ar username
+on Linux.
+.
+.Ss Example 2: Custom Home Directory Prefix
+.Bd -literal -offset indent
+auth     optional  pam_zfs_key.so homes=tank/users
+password optional  pam_zfs_key.so homes=tank/users
+session  optional  pam_zfs_key.so homes=tank/users
+.Ed
+.Pp
+Looks for user datasets at
+.Sy tank/users/ Ns Ar username .
+.
+.Ss Example 3: Multiple Dataset Prefixes
+.Bd -literal -offset indent
+session  optional  pam_zfs_key.so homes=rpool/home,tank/users
+.Ed
+.Pp
+Searches for user datasets in both
+.Sy rpool/home
+and
+.Sy tank/users .
+.
+.Ss Example 4: Keep Datasets Mounted
+.Bd -literal -offset indent
+session  optional  pam_zfs_key.so nounmount
+.Ed
+.Pp
+Leaves datasets mounted and keys loaded when sessions close.
+Useful for systems with background processes accessing the home directory.
+.
+.Ss Example 5: Recursive Mounting
+.Bd -literal -offset indent
+session  optional  pam_zfs_key.so mount_recursively
+.Ed
+.Pp
+Mounts child datasets recursively, useful when user data is organized
+hierarchically like
+.Sy rpool/home/alice/documents
+and
+.Sy rpool/home/alice/photos .
+.
+.Ss Example 6: Creating an Encrypted Home Dataset
+.Bd -literal -offset indent
+# zfs create -o encryption=on \e
+    -o keyformat=passphrase \e
+    -o keylocation=prompt \e
+    -o canmount=on \e
+    -o mountpoint=/home/alice \e
+    rpool/home/alice
+.Ed
+.Pp
+The user's login password must match the dataset passphrase for automatic
+unlocking to work.
+The dataset must have a ZFS-managed mountpoint (not legacy) and
+.Sy canmount Ns = Ns Sy on
+for automatic mounting.
+.
+.Ss Example 7: Multiple Homes with Password Sync Check
+.Bd -literal -offset indent
+auth     optional  pam_zfs_key.so homes=rpool/home,tank/home
+password required  pam_zfs_key.so homes=rpool/home,tank/home
+session  optional  pam_zfs_key.so homes=rpool/home,tank/home
+.Ed
+.Pp
+Login proceeds even if some datasets are unavailable.
+Password changes fail if any dataset cannot be updated, ensuring
+the user is notified of sync issues.
+See
+.Sx Multiple Home Prefixes
+for failure behavior.
+.
+.Sh SEE ALSO
+.Xr pam 8 ,
+.Xr zfs-change-key 8 ,
+.Xr zfs-load-key 8 ,
+.Xr zfs-mount 8
+.
+.Sh NOTES
+.Bl -bullet -compact
+.It
+Only works with datasets using
+.Sy keyformat Ns = Ns Sy passphrase .
+.It
+Datasets must have
+.Sy keylocation Ns = Ns Sy prompt .
+.It
+Datasets with
+.Sy mountpoint Ns = Ns Sy legacy ,
+.Sy canmount Ns = Ns Sy off ,
+or
+.Sy canmount Ns = Ns Sy noauto
+will have keys loaded but not be automatically mounted.
+.El
diff --git a/man/man8/zfs-load-key.8 b/man/man8/zfs-load-key.8
index 3a11cea99fd6..912f55d753b0 100644
--- a/man/man8/zfs-load-key.8
+++ b/man/man8/zfs-load-key.8
@@ -92,6 +92,9 @@ will ask for the key and mount the dataset
 see
 .Xr zfs-mount 8
 .Pc .
+For automated key management during user login,
+.Xr pam_zfs_key 8
+can load keys and mount encrypted home directories on systems with PAM support.
 Once the key is loaded the
 .Sy keystatus
 property will become
@@ -301,5 +304,6 @@ written.
 .
 .Sh SEE ALSO
 .Xr zfsprops 7 ,
+.Xr pam_zfs_key 8 ,
 .Xr zfs-create 8 ,
 .Xr zfs-set 8
diff --git a/man/man8/zfs-mount.8 b/man/man8/zfs-mount.8
index 2689b6dc345b..20a8cbc066d5 100644
--- a/man/man8/zfs-mount.8
+++ b/man/man8/zfs-mount.8
@@ -110,6 +110,9 @@ on each encryption root before mounting it.
 Note that if a filesystem has
 .Sy keylocation Ns = Ns Sy prompt ,
 this will cause the terminal to interactively block after asking for the key.
+On systems with PAM support,
+.Xr pam_zfs_key 8
+can automate this process during user login.
 .It Fl v
 Report mount progress.
 .It Fl f
@@ -138,3 +141,6 @@ The command can also be given a path to a ZFS file system mount point on the
 system.
 .El
 .El
+.
+.Sh SEE ALSO
+.Xr pam_zfs_key 8
diff --git a/man/man8/zfs.8 b/man/man8/zfs.8
index b7566a727469..ba535c0f4561 100644
--- a/man/man8/zfs.8
+++ b/man/man8/zfs.8
@@ -805,6 +805,7 @@ don't wait.
 .Xr exportfs 8 ,
 .Xr mount 8 ,
 .Xr net 8 ,
+.Xr pam_zfs_key 8 ,
 .Xr selinux 8 ,
 .Xr zfs-allow 8 ,
 .Xr zfs-bookmark 8 ,
diff --git a/tests/zfs-tests/tests/functional/pam/pam_basic.ksh b/tests/zfs-tests/tests/functional/pam/pam_basic.ksh
index 4030a6788c4d..ccb0821e2644 100755
--- a/tests/zfs-tests/tests/functional/pam/pam_basic.ksh
+++ b/tests/zfs-tests/tests/functional/pam/pam_basic.ksh
@@ -51,4 +51,62 @@ references 0
 log_mustnot ismounted "$TESTPOOL/pam/${username}"
 keystatus unavailable
 
+
+
+log_mustnot ismounted "$TESTPOOL/pam/${username}"
+keystatus unavailable
+log_mustnot ismounted "$TESTPOOL/pam-multi-home/${username}"
+keystatus_mh unavailable
+
+genconfig "homes=$TESTPOOL/pam,$TESTPOOL/pam-multi-home runstatedir=${runstatedir}"
+echo "testpass" | pamtester ${pamservice} ${username} open_session
+references 1
+log_must ismounted "$TESTPOOL/pam/${username}"
+keystatus available
+log_must ismounted "$TESTPOOL/pam-multi-home/${username}"
+keystatus_mh available
+
+echo "testpass" | pamtester ${pamservice} ${username} open_session
+references 2
+log_must ismounted "$TESTPOOL/pam/${username}"
+keystatus available
+log_must ismounted "$TESTPOOL/pam-multi-home/${username}"
+keystatus_mh available
+
+log_must pamtester ${pamservice} ${username} close_session
+references 1
+log_must ismounted "$TESTPOOL/pam/${username}"
+keystatus available
+log_must ismounted "$TESTPOOL/pam-multi-home/${username}"
+keystatus_mh available
+
+log_must pamtester ${pamservice} ${username} close_session
+references 0
+log_mustnot ismounted "$TESTPOOL/pam/${username}"
+keystatus unavailable
+log_mustnot ismounted "$TESTPOOL/pam-multi-home/${username}"
+keystatus_mh unavailable
+
+# Test a 'homes' with many entries
+allhomes="$TESTPOOL/pam-multi-home1"
+for i in {2..$PAM_MULTI_HOME_COUNT} ; do
+       allhomes="$allhomes,$TESTPOOL/pam-multi-home$i"
+done
+
+genconfig "homes=$allhomes runstatedir=${runstatedir}"
+
+echo "testpass" | pamtester ${pamservice} ${username} open_session
+for i in {1..$PAM_MULTI_HOME_COUNT} ; do
+       references 1
+       log_must ismounted "$TESTPOOL/pam-multi-home$i/${username}"
+       keystatus_mh available $i
+done
+
+log_must pamtester ${pamservice} ${username} close_session
+for i in {1..$PAM_MULTI_HOME_COUNT} ; do
+       references 0
+       log_mustnot ismounted "$TESTPOOL/pam-multi-home$i/${username}"
+       keystatus_mh unavailable $i
+done
+
 log_pass "done."
diff --git a/tests/zfs-tests/tests/functional/pam/pam_change_unmounted.ksh b/tests/zfs-tests/tests/functional/pam/pam_change_unmounted.ksh
index 3ca4fb810e30..dfd400927374 100755
--- a/tests/zfs-tests/tests/functional/pam/pam_change_unmounted.ksh
+++ b/tests/zfs-tests/tests/functional/pam/pam_change_unmounted.ksh
@@ -29,28 +29,39 @@ fi
 
 log_mustnot ismounted "$TESTPOOL/pam/${username}"
 keystatus unavailable
+log_mustnot ismounted "$TESTPOOL/pam-multi-home/${username}"
+keystatus_mh unavailable
 
-genconfig "homes=$TESTPOOL/pam runstatedir=${runstatedir}"
+genconfig "homes=$TESTPOOL/pam,$TESTPOOL/pam-multi-home runstatedir=${runstatedir}"
 
 printf "testpass\nsecondpass\nsecondpass\n" | pamtester -v ${pamservice} ${username} chauthtok
 
 log_mustnot ismounted "$TESTPOOL/pam/${username}"
 keystatus unavailable
+log_mustnot ismounted "$TESTPOOL/pam-multi-home/${username}"
+keystatus_mh unavailable
 
 echo "secondpass" | pamtester ${pamservice} ${username} open_session
 references 1
 log_must ismounted "$TESTPOOL/pam/${username}"
 keystatus available
+log_must ismounted "$TESTPOOL/pam-multi-home/${username}"
+keystatus_mh available
 
 printf "secondpass\ntestpass\ntestpass\n" | pamtester -v ${pamservice} ${username} chauthtok
 
 log_must ismounted "$TESTPOOL/pam/${username}"
 log_must ismounted "$TESTPOOL/pam/${username}"
 keystatus available
+log_must ismounted "$TESTPOOL/pam-multi-home/${username}"
+log_must ismounted "$TESTPOOL/pam-multi-home/${username}"
+keystatus_mh available
 
 log_must pamtester ${pamservice} ${username} close_session
 references 0
 log_mustnot ismounted "$TESTPOOL/pam/${username}"
 keystatus unavailable
+log_mustnot ismounted "$TESTPOOL/pam-multi-home/${username}"
+keystatus_mh unavailable
 
 log_pass "done."
diff --git a/tests/zfs-tests/tests/functional/pam/pam_nounmount.ksh b/tests/zfs-tests/tests/functional/pam/pam_nounmount.ksh
index 4f5255a104fd..2832e1ab5d12 100755
--- a/tests/zfs-tests/tests/functional/pam/pam_nounmount.ksh
+++ b/tests/zfs-tests/tests/functional/pam/pam_nounmount.ksh
@@ -29,28 +29,40 @@ fi
 
 log_mustnot ismounted "$TESTPOOL/pam/${username}"
 keystatus unavailable
+log_mustnot ismounted "$TESTPOOL/pam-multi-home/${username}"
+keystatus_mh unavailable
 
-genconfig "homes=$TESTPOOL/pam runstatedir=${runstatedir} nounmount"
+genconfig "homes=$TESTPOOL/pam,$TESTPOOL/pam-multi-home runstatedir=${runstatedir} nounmount"
 echo "testpass" | pamtester ${pamservice} ${username} open_session
 references 1
 log_must ismounted "$TESTPOOL/pam/${username}"
 keystatus available
+log_must ismounted "$TESTPOOL/pam-multi-home/${username}"
+keystatus_mh available
 
 echo "testpass" | pamtester ${pamservice} ${username} open_session
 references 2
 keystatus available
 log_must ismounted "$TESTPOOL/pam/${username}"
+keystatus_mh available
+log_must ismounted "$TESTPOOL/pam-multi-home/${username}"
 
 log_must pamtester ${pamservice} ${username} close_session
 references 1
 keystatus available
 log_must ismounted "$TESTPOOL/pam/${username}"
+keystatus_mh available
+log_must ismounted "$TESTPOOL/pam-multi-home/${username}"
 
 log_must pamtester ${pamservice} ${username} close_session
 references 0
 keystatus available
+keystatus_mh available
 log_must ismounted "$TESTPOOL/pam/${username}"
+log_must ismounted "$TESTPOOL/pam-multi-home/${username}"
 log_must zfs unmount "$TESTPOOL/pam/${username}"
+log_must zfs unmount "$TESTPOOL/pam-multi-home/${username}"
 log_must zfs unload-key "$TESTPOOL/pam/${username}"
+log_must zfs unload-key "$TESTPOOL/pam-multi-home/${username}"
 
 log_pass "done."
diff --git a/tests/zfs-tests/tests/functional/pam/setup.ksh b/tests/zfs-tests/tests/functional/pam/setup.ksh
index e0d81c531df5..685d174f0cea 100755
--- a/tests/zfs-tests/tests/functional/pam/setup.ksh
+++ b/tests/zfs-tests/tests/functional/pam/setup.ksh
@@ -30,6 +30,7 @@ DISK=${DISKS%% *}
 create_pool $TESTPOOL "$DISK"
 
 log_must zfs create -o mountpoint="$TESTDIR" "$TESTPOOL/pam"
+log_must zfs create -o mountpoint="$TESTDIR-multi-home" "$TESTPOOL/pam-multi-home"
 log_must add_group pamtestgroup
 log_must add_user pamtestgroup ${username}
 log_must mkdir -p "$runstatedir"
@@ -37,5 +38,15 @@ log_must mkdir -p "$runstatedir"
 echo "testpass" | zfs create -o encryption=aes-256-gcm -o keyformat=passphrase -o keylocation=prompt "$TESTPOOL/pam/${username}"
 log_must zfs unmount "$TESTPOOL/pam/${username}"
 log_must zfs unload-key "$TESTPOOL/pam/${username}"
+echo "testpass" | zfs create -o encryption=aes-256-gcm -o keyformat=passphrase -o keylocation=prompt "$TESTPOOL/pam-multi-home/${username}"
+log_must zfs unmount "$TESTPOOL/pam-multi-home/${username}"
+log_must zfs unload-key "$TESTPOOL/pam-multi-home/${username}"
+
+for i in {1..$PAM_MULTI_HOME_COUNT} ; do
+       log_must zfs create -o mountpoint="$TESTDIR-multi-home$i" "$TESTPOOL/pam-multi-home$i"
+       echo "testpass" | zfs create -o encryption=aes-256-gcm -o keyformat=passphrase -o keylocation=prompt "$TESTPOOL/pam-multi-home$i/${username}"
+       log_must zfs unmount "$TESTPOOL/pam-multi-home$i/${username}"
+       log_must zfs unload-key "$TESTPOOL/pam-multi-home$i/${username}"
+done
 
 log_pass
diff --git a/tests/zfs-tests/tests/functional/pam/utilities.kshlib.in b/tests/zfs-tests/tests/functional/pam/utilities.kshlib.in
index f69a0b097170..65bd1c2e76d3 100644
--- a/tests/zfs-tests/tests/functional/pam/utilities.kshlib.in
+++ b/tests/zfs-tests/tests/functional/pam/utilities.kshlib.in
@@ -28,11 +28,17 @@ runstatedir="${TESTDIR}_run"
 pammodule="@pammoduledir@/pam_zfs_key.so"
 pamservice="pam_zfs_key_test"
 pamconfig="/etc/pam.d/${pamservice}"
+PAM_MULTI_HOME_COUNT=20
 
 function keystatus {
     log_must [ "$(get_prop keystatus "$TESTPOOL/pam/${username}")" = "$1" ]
 }
 
+function keystatus_mh {
+    typeset suffix="${2:-}"
+    log_must [ "$(get_prop keystatus "$TESTPOOL/pam-multi-home${suffix}/${username}")" = "$1" ]
+}
+
 function genconfig {
     printf '%s\trequired\tpam_permit.so\n%s\toptional\t%s\t%s\n' \
         password password "$pammodule" "$1" \