FHA Loan Limits in Mississippi (2026)
For 2026, the FHA loan limit in most Mississippi counties is $541,287 for a single-family home. Mississippi has no designated high-cost counties, so the national floor applies statewide.
FHA loan limits by county in Mississippi
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Jackson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Rankin County | $541,287 | $692,997 | $1,041,072 | Standard |
| Madison County | $541,287 | $692,997 | $1,041,072 | Standard |
| Jones County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lee County | $541,287 | $692,997 | $1,041,072 | Standard |
| Forrest County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lauderdale County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lowndes County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lafayette County | $541,287 | $692,997 | $1,041,072 | Standard |
| Pearl River County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lamar County | $541,287 | $692,997 | $1,041,072 | Standard |
| Pike County | $541,287 | $692,997 | $1,041,072 | Standard |
| Washington County | $541,287 | $692,997 | $1,041,072 | Standard |
| Warren County | $541,287 | $692,997 | $1,041,072 | Standard |
| Marshall County | $541,287 | $692,997 | $1,041,072 | Standard |
| Oktibbeha County | $541,287 | $692,997 | $1,041,072 | Standard |
| Hancock County | $541,287 | $692,997 | $1,041,072 | Standard |
| Adams County | $541,287 | $692,997 | $1,041,072 | Standard |
| Monroe County | $541,287 | $692,997 | $1,041,072 | Standard |
| Panola County | $541,287 | $692,997 | $1,041,072 | Standard |
| Tate County | $541,287 | $692,997 | $1,041,072 | Standard |
| Yazoo County | $541,287 | $692,997 | $1,041,072 | Standard |
| Hinds County | $541,287 | $692,997 | $1,041,072 | Standard |
| Harrison County | $541,287 | $692,997 | $1,041,072 | Standard |
| DeSoto County | $541,287 | $692,997 | $1,041,072 | Standard |
Mississippi's median home price is roughly $190,000. With 3.5% down, an example FHA payment near that price is about $1,524/month including MIP, taxes, and insurance.
Buying with an FHA loan in Mississippi
FHA loans are popular with first-time buyers in Mississippi because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in Mississippi for 2026?
- Most Mississippi counties use the national FHA floor of $541,287 for a one-unit home.
- What credit score do I need for an FHA loan in Mississippi?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.