Mississippi Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 82 counties in Mississippi. FHA limits in this state range from $541,287 to $541,287, while conforming limits range from $832,750 to $832,750.
2026 Loan Limits by County in Mississippi
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Adams County | $541,287 | $832,750 | $108,700 |
| 2 | Alcorn County | $541,287 | $832,750 | $142,100 |
| 3 | Amite County | $541,287 | $832,750 | $100,800 |
| 4 | Attala County | $541,287 | $832,750 | $104,600 |
| 5 | Benton County | $541,287 | $832,750 | $105,100 |
| 6 | Bolivar County | $541,287 | $832,750 | $130,000 |
| 7 | Calhoun County | $541,287 | $832,750 | $90,300 |
| 8 | Carroll County | $541,287 | $832,750 | $109,600 |
| 9 | Chickasaw County | $541,287 | $832,750 | $109,800 |
| 10 | Choctaw County | $541,287 | $832,750 | $117,200 |
| 11 | Claiborne County | $541,287 | $832,750 | $82,700 |
| 12 | Clarke County | $541,287 | $832,750 | $118,100 |
| 13 | Clay County | $541,287 | $832,750 | $129,100 |
| 14 | Coahoma County | $541,287 | $832,750 | $90,300 |
| 15 | Copiah County | $541,287 | $832,750 | $114,100 |
| 16 | Covington County | $541,287 | $832,750 | $105,100 |
| 17 | DeSoto County | $541,287 | $832,750 | $269,600 |
| 18 | Forrest County | $541,287 | $832,750 | $168,000 |
| 19 | Franklin County | $541,287 | $832,750 | $101,900 |
| 20 | George County | $541,287 | $832,750 | $166,900 |
| 21 | Greene County | $541,287 | $832,750 | $92,700 |
| 22 | Grenada County | $541,287 | $832,750 | $132,200 |
| 23 | Hancock County | $541,287 | $832,750 | $224,200 |
| 24 | Harrison County | $541,287 | $832,750 | $212,200 |
| 25 | Hinds County | $541,287 | $832,750 | $159,900 |
| 26 | Holmes County | $541,287 | $832,750 | $80,400 |
| 27 | Humphreys County | $541,287 | $832,750 | $87,800 |
| 28 | Issaquena County | $541,287 | $832,750 | $110,800 |
| 29 | Itawamba County | $541,287 | $832,750 | $142,400 |
| 30 | Jackson County | $541,287 | $832,750 | $193,100 |
| 31 | Jasper County | $541,287 | $832,750 | $107,100 |
| 32 | Jefferson County | $541,287 | $832,750 | $81,300 |
| 33 | Jefferson Davis County | $541,287 | $832,750 | $90,100 |
| 34 | Jones County | $541,287 | $832,750 | $143,100 |
| 35 | Kemper County | $541,287 | $832,750 | $99,600 |
| 36 | Lafayette County | $541,287 | $832,750 | $315,400 |
| 37 | Lamar County | $541,287 | $832,750 | $224,700 |
| 38 | Lauderdale County | $541,287 | $832,750 | $133,300 |
| 39 | Lawrence County | $541,287 | $832,750 | $100,000 |
| 40 | Leake County | $541,287 | $832,750 | $116,800 |
| 41 | Lee County | $541,287 | $832,750 | $199,500 |
| 42 | Leflore County | $541,287 | $832,750 | $101,200 |
| 43 | Lincoln County | $541,287 | $832,750 | $155,800 |
| 44 | Lowndes County | $541,287 | $832,750 | $164,100 |
| 45 | Madison County | $541,287 | $832,750 | $311,100 |
| 46 | Marion County | $541,287 | $832,750 | $122,800 |
| 47 | Marshall County | $541,287 | $832,750 | $167,900 |
| 48 | Monroe County | $541,287 | $832,750 | $120,800 |
| 49 | Montgomery County | $541,287 | $832,750 | $126,800 |
| 50 | Neshoba County | $541,287 | $832,750 | $100,000 |
| 51 | Newton County | $541,287 | $832,750 | $106,300 |
| 52 | Noxubee County | $541,287 | $832,750 | $90,800 |
| 53 | Oktibbeha County | $541,287 | $832,750 | $237,700 |
| 54 | Panola County | $541,287 | $832,750 | $127,800 |
| 55 | Pearl River County | $541,287 | $832,750 | $182,300 |
| 56 | Perry County | $541,287 | $832,750 | $124,000 |
| 57 | Pike County | $541,287 | $832,750 | $110,800 |
| 58 | Pontotoc County | $541,287 | $832,750 | $157,100 |
| 59 | Prentiss County | $541,287 | $832,750 | $122,500 |
| 60 | Quitman County | $541,287 | $832,750 | $69,600 |
| 61 | Rankin County | $541,287 | $832,750 | $237,400 |
| 62 | Scott County | $541,287 | $832,750 | $106,700 |
| 63 | Sharkey County | $541,287 | $832,750 | $98,000 |
| 64 | Simpson County | $541,287 | $832,750 | $122,200 |
| 65 | Smith County | $541,287 | $832,750 | $112,600 |
| 66 | Stone County | $541,287 | $832,750 | $161,100 |
| 67 | Sunflower County | $541,287 | $832,750 | $100,300 |
| 68 | Tallahatchie County | $541,287 | $832,750 | $82,300 |
| 69 | Tate County | $541,287 | $832,750 | $209,000 |
| 70 | Tippah County | $541,287 | $832,750 | $124,100 |
| 71 | Tishomingo County | $541,287 | $832,750 | $145,100 |
| 72 | Tunica County | $541,287 | $832,750 | $175,900 |
| 73 | Union County | $541,287 | $832,750 | $163,400 |
| 74 | Walthall County | $541,287 | $832,750 | $126,600 |
| 75 | Warren County | $541,287 | $832,750 | $156,400 |
| 76 | Washington County | $541,287 | $832,750 | $104,000 |
| 77 | Wayne County | $541,287 | $832,750 | $91,100 |
| 78 | Webster County | $541,287 | $832,750 | $120,100 |
| 79 | Wilkinson County | $541,287 | $832,750 | $90,000 |
| 80 | Winston County | $541,287 | $832,750 | $124,600 |
| 81 | Yalobusha County | $541,287 | $832,750 | $122,300 |
| 82 | Yazoo County | $541,287 | $832,750 | $153,800 |
About Mississippi's Mortgage Market
Mississippi has 82 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in Mississippi range from $541,287 to $541,287 for a single-family home. Conforming limits range from $832,750 to $832,750.
Use our mortgage calculator to compute monthly payments using Mississippi-specific loan limits. Or explore a specific county above for detailed FHA vs conventional comparisons.
Frequently Asked Questions
What is the maximum FHA loan limit in Mississippi?
The highest 2026 FHA limit in Mississippi is $541,287 for a single-family home.
What is the maximum conforming loan limit in Mississippi?
The highest 2026 conforming loan limit in Mississippi is $832,750 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in Mississippi?
Mississippi has 82 counties, each with its own loan limits published annually by FHFA and HUD.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. Public domain. This page is for informational purposes and does not constitute financial advice.