FHA Loan Limits in Adams County, Mississippi (2026)
Buying in Adams County or elsewhere in Adams County? The 2026 FHA single-family limit across the county is $541,287. That matches the national FHA floor used across most of the South.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
Every community in Adams County — Adams County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Hinds and Harrison Counties.
FHA affordability around Adams County
An FHA buyer near Adams County faces an estimated $163,000 median, a $5,705 down payment, and — after Mississippi's 0.79% property tax — a monthly cost around $1,282. That suits household income of roughly $50,000, under Mississippi's $52,719 median household income.
FHA payment scenarios in Adams County
Whether you are buying in Adams County or a smaller Adams County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $117,000 | $4,095 | $953 |
| Local median — $163,000 | $5,705 | $1,282 |
| At the FHA limit — $541,287 | $18,945 | $3,985 |
Estimates include FHA MIP plus Mississippi property taxes and insurance. Rates move daily near Adams County too — get notified.
Buyers across Adams County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $5,705 down payment near Adams County into little out of pocket.
Multi-unit FHA limits in Adams County
Investors and house-hackers in Adams County and across Adams County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Adams County for 2026?
- In Adams County (Adams County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Adams County with FHA?
- For a median-priced ($163,000) Adams County home, plan on income around $50,000 at a 31% housing ratio — about $1,282/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Adams County?
- 3.5% with a 580+ score — roughly $5,705 on a $163,000 Adams County-area home. Gift funds are allowed.
- Is Adams County a high-cost FHA area?
- No — Adams County uses the $541,287 national floor for one unit.