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Mississippi loan limits for 2026

Quick answer

In 2026, the single-family conforming loan limit in Mississippi is $832,750 in every county, and FHA limits are $541,287 statewide. None of its 82 counties are designated high-cost areas. Look up your county below for official 1–4 unit limits from FHFA and HUD.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

What are the loan limits in each Mississippi county?

CountyConforming (1 unit)FHA (1 unit)FHA (2 units)Median home value
Adams County$832,750$541,287$693,050$106,300
Alcorn County$832,750$541,287$693,050$132,300
Amite County$832,750$541,287$693,050$89,800
Attala County$832,750$541,287$693,050$107,600
Benton County$832,750$541,287$693,050$109,300
Bolivar County$832,750$541,287$693,050$123,600
Calhoun County$832,750$541,287$693,050$82,900
Carroll County$832,750$541,287$693,050$105,500
Chickasaw County$832,750$541,287$693,050$100,400
Choctaw County$832,750$541,287$693,050$104,500
Claiborne County$832,750$541,287$693,050$80,800
Clarke County$832,750$541,287$693,050$114,300
Clay County$832,750$541,287$693,050$115,600
Coahoma County$832,750$541,287$693,050$86,400
Copiah County$832,750$541,287$693,050$105,600
Covington County$832,750$541,287$693,050$98,500
DeSoto County$832,750$541,287$693,050$248,700
Forrest County$832,750$541,287$693,050$152,900
Franklin County$832,750$541,287$693,050$95,100
George County$832,750$541,287$693,050$168,100
Greene County$832,750$541,287$693,050$94,200
Grenada County$832,750$541,287$693,050$123,400
Hancock County$832,750$541,287$693,050$206,600
Harrison County$832,750$541,287$693,050$199,300
Hinds County$832,750$541,287$693,050$151,200
Holmes County$832,750$541,287$693,050$76,500
Humphreys County$832,750$541,287$693,050$88,800
Issaquena County$832,750$541,287$693,050$90,700
Itawamba County$832,750$541,287$693,050$122,400
Jackson County$832,750$541,287$693,050$181,700
Jasper County$832,750$541,287$693,050$118,600
Jefferson County$832,750$541,287$693,050$81,400
Jefferson Davis County$832,750$541,287$693,050$87,100
Jones County$832,750$541,287$693,050$126,800
Kemper County$832,750$541,287$693,050$90,200
Lafayette County$832,750$541,287$693,050$260,500
Lamar County$832,750$541,287$693,050$218,700
Lauderdale County$832,750$541,287$693,050$124,500
Lawrence County$832,750$541,287$693,050$104,600
Leake County$832,750$541,287$693,050$114,600
Lee County$832,750$541,287$693,050$187,800
Leflore County$832,750$541,287$693,050$98,200
Lincoln County$832,750$541,287$693,050$131,800
Lowndes County$832,750$541,287$693,050$157,400
Madison County$832,750$541,287$693,050$286,300
Marion County$832,750$541,287$693,050$117,000
Marshall County$832,750$541,287$693,050$172,200
Monroe County$832,750$541,287$693,050$115,200
Montgomery County$832,750$541,287$693,050$110,700
Neshoba County$832,750$541,287$693,050$96,600
Newton County$832,750$541,287$693,050$102,700
Noxubee County$832,750$541,287$693,050$85,200
Oktibbeha County$832,750$541,287$693,050$219,500
Panola County$832,750$541,287$693,050$121,500
Pearl River County$832,750$541,287$693,050$174,500
Perry County$832,750$541,287$693,050$126,000
Pike County$832,750$541,287$693,050$110,500
Pontotoc County$832,750$541,287$693,050$141,700
Prentiss County$832,750$541,287$693,050$116,500
Quitman County$832,750$541,287$693,050$68,600
Rankin County$832,750$541,287$693,050$223,400
Scott County$832,750$541,287$693,050$89,900
Sharkey County$832,750$541,287$693,050$108,000
Simpson County$832,750$541,287$693,050$111,600
Smith County$832,750$541,287$693,050$114,000
Stone County$832,750$541,287$693,050$163,300
Sunflower County$832,750$541,287$693,050$103,400
Tallahatchie County$832,750$541,287$693,050$82,200
Tate County$832,750$541,287$693,050$173,000
Tippah County$832,750$541,287$693,050$128,400
Tishomingo County$832,750$541,287$693,050$132,500
Tunica County$832,750$541,287$693,050$154,500
Union County$832,750$541,287$693,050$159,100
Walthall County$832,750$541,287$693,050$120,600
Warren County$832,750$541,287$693,050$144,400
Washington County$832,750$541,287$693,050$99,300
Wayne County$832,750$541,287$693,050$88,000
Webster County$832,750$541,287$693,050$109,500
Wilkinson County$832,750$541,287$693,050$80,200
Winston County$832,750$541,287$693,050$121,200
Yalobusha County$832,750$541,287$693,050$97,200
Yazoo County$832,750$541,287$693,050$129,200

Which Mississippi counties are high-cost areas?

No Mississippi county is above the national baseline, so the conforming limit is $832,750 statewide.

Largest cities in Mississippi

JacksonGulfportSouthavenBiloxiHattiesburgOlive BranchTupeloMeridianGreenvilleMadisonPearlClinton

Frequently asked questions

FHA one-unit limits in Mississippi start at $541,287. In Hinds County, the most populous county, it's $541,287.

The 2026 one-unit conforming limit in Hinds County is $832,750.

With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.