Mississippi loan limits 2026 by county
In 2026, every one of the 82 counties in Mississippi has the $832,750 baseline conforming loan limit for a one-unit home. Every Mississippi county has the $541,287 FHA floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
FHA and conforming loan limits for every Mississippi county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Adams County | $832,750 | $541,287 | Natchez, MS-LA |
| Alcorn County | $832,750 | $541,287 | Corinth, MS |
| Amite County | $832,750 | $541,287 | Non-Metro |
| Attala County | $832,750 | $541,287 | Non-Metro |
| Benton County | $832,750 | $541,287 | Memphis, TN-MS-AR |
| Bolivar County | $832,750 | $541,287 | Cleveland, MS |
| Calhoun County | $832,750 | $541,287 | Non-Metro |
| Carroll County | $832,750 | $541,287 | Greenwood, MS |
| Chickasaw County | $832,750 | $541,287 | Non-Metro |
| Choctaw County | $832,750 | $541,287 | Non-Metro |
| Claiborne County | $832,750 | $541,287 | Non-Metro |
| Clarke County | $832,750 | $541,287 | Meridian, MS |
| Clay County | $832,750 | $541,287 | Non-Metro |
| Coahoma County | $832,750 | $541,287 | Clarksdale, MS |
| Copiah County | $832,750 | $541,287 | Jackson, MS |
| Covington County | $832,750 | $541,287 | Non-Metro |
| DeSoto County | $832,750 | $541,287 | Memphis, TN-MS-AR |
| Forrest County | $832,750 | $541,287 | Hattiesburg, MS |
| Franklin County | $832,750 | $541,287 | Non-Metro |
| George County | $832,750 | $541,287 | Non-Metro |
| Greene County | $832,750 | $541,287 | Non-Metro |
| Grenada County | $832,750 | $541,287 | Grenada, MS |
| Hancock County | $832,750 | $541,287 | Gulfport-Biloxi, MS |
| Harrison County | $832,750 | $541,287 | Gulfport-Biloxi, MS |
| Hinds County | $832,750 | $541,287 | Jackson, MS |
| Holmes County | $832,750 | $541,287 | Jackson, MS |
| Humphreys County | $832,750 | $541,287 | Non-Metro |
| Issaquena County | $832,750 | $541,287 | Non-Metro |
| Itawamba County | $832,750 | $541,287 | Tupelo, MS |
| Jackson County | $832,750 | $541,287 | Gulfport-Biloxi, MS |
| Jasper County | $832,750 | $541,287 | Laurel, MS |
| Jefferson County | $832,750 | $541,287 | Natchez, MS-LA |
| Jefferson Davis County | $832,750 | $541,287 | Non-Metro |
| Jones County | $832,750 | $541,287 | Laurel, MS |
| Kemper County | $832,750 | $541,287 | Non-Metro |
| Lafayette County | $832,750 | $541,287 | Oxford, MS |
| Lamar County | $832,750 | $541,287 | Hattiesburg, MS |
| Lauderdale County | $832,750 | $541,287 | Meridian, MS |
| Lawrence County | $832,750 | $541,287 | Non-Metro |
| Leake County | $832,750 | $541,287 | Non-Metro |
| Lee County | $832,750 | $541,287 | Tupelo, MS |
| Leflore County | $832,750 | $541,287 | Greenwood, MS |
| Lincoln County | $832,750 | $541,287 | Brookhaven, MS |
| Lowndes County | $832,750 | $541,287 | Columbus, MS |
| Madison County | $832,750 | $541,287 | Jackson, MS |
| Marion County | $832,750 | $541,287 | Non-Metro |
| Marshall County | $832,750 | $541,287 | Memphis, TN-MS-AR |
| Monroe County | $832,750 | $541,287 | Non-Metro |
| Montgomery County | $832,750 | $541,287 | Grenada, MS |
| Neshoba County | $832,750 | $541,287 | Non-Metro |
| Newton County | $832,750 | $541,287 | Non-Metro |
| Noxubee County | $832,750 | $541,287 | Columbus, MS |
| Oktibbeha County | $832,750 | $541,287 | Starkville, MS |
| Panola County | $832,750 | $541,287 | Non-Metro |
| Pearl River County | $832,750 | $541,287 | Picayune, MS |
| Perry County | $832,750 | $541,287 | Hattiesburg, MS |
| Pike County | $832,750 | $541,287 | Mccomb, MS |
| Pontotoc County | $832,750 | $541,287 | Non-Metro |
| Prentiss County | $832,750 | $541,287 | Tupelo, MS |
| Quitman County | $832,750 | $541,287 | Non-Metro |
| Rankin County | $832,750 | $541,287 | Jackson, MS |
| Scott County | $832,750 | $541,287 | Jackson, MS |
| Sharkey County | $832,750 | $541,287 | Non-Metro |
| Simpson County | $832,750 | $541,287 | Jackson, MS |
| Smith County | $832,750 | $541,287 | Non-Metro |
| Stone County | $832,750 | $541,287 | Gulfport-Biloxi, MS |
| Sunflower County | $832,750 | $541,287 | Non-Metro |
| Tallahatchie County | $832,750 | $541,287 | Non-Metro |
| Tate County | $832,750 | $541,287 | Memphis, TN-MS-AR |
| Tippah County | $832,750 | $541,287 | Non-Metro |
| Tishomingo County | $832,750 | $541,287 | Non-Metro |
| Tunica County | $832,750 | $541,287 | Memphis, TN-MS-AR |
| Union County | $832,750 | $541,287 | Non-Metro |
| Walthall County | $832,750 | $541,287 | Mccomb, MS |
| Warren County | $832,750 | $541,287 | Vicksburg, MS |
| Washington County | $832,750 | $541,287 | Greenville, MS |
| Wayne County | $832,750 | $541,287 | Non-Metro |
| Webster County | $832,750 | $541,287 | Starkville, MS |
| Wilkinson County | $832,750 | $541,287 | Non-Metro |
| Winston County | $832,750 | $541,287 | Non-Metro |
| Yalobusha County | $832,750 | $541,287 | Oxford, MS |
| Yazoo County | $832,750 | $541,287 | Jackson, MS |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
FHA, VA and conforming limits in Mississippi
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- Mississippi fair market rentsHUD Fair Market Rents for every Mississippi county, studios to 4 bedrooms.
- Mississippi property tax ratesEffective property tax rate for every Mississippi county from survey data.
For the title side (owner of record, deeds, mortgages, liens), see the counties HeritageDeed covers; a title report is $49 per report.
Questions about Mississippi loan limits
What are the FHA loan limits in Mississippi for 2026?
$541,287 to $541,287 for a one-unit home, depending on the county. Every county is at the national floor of $541,287. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in Mississippi for 2026?
$832,750 for a one-unit home in every Mississippi county, effective January 1, 2026 (FHFA).
What is the VA loan limit in Mississippi?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 in Mississippi for 2026: 25 percent of that limit minus the entitlement already used.
Which Mississippi counties have the highest loan limits?
Conforming: every county is at the baseline. FHA: Adams County at $541,287. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/mississippi. Not lending advice.