Ferdinand has been struggling with a hamstring problem, while Gerrard has only recently returned for Liverpool following six months out with a groin injury.
England need a point in Podgorica on Friday to secure their place in next year's tournament.
England squad to face Montenegro:
Goalkeepers: S Carson (Bursaspor), J Hart (Man City), D Stockdale (Ipswich)
Defenders: L Baines (Everton), G Cahill (Bolton), A Cole (Chelsea),
P Jagielka (Everton), P Jones (Man Utd), M Richards (Man City), J Terry (captain, Chelsea), K Walker (Tottenham)
Midfielders: G Barry (Man City), S Downing (Liverpool), A Johnson (Man City),
F Lampard (Chelsea), J Milner (Man City), S Parker (Tottenham),
T Walcott (Arsenal), A Young (Man Utd)
Forwards: D Bent (Aston Villa), A Carroll (Liverpool), W Rooney (Man Utd),
D Welbeck (Man Utd), B Zamora (Fulham)