FHA Loan Limits in Forrest County, Mississippi (2026)
From Forrest County, FHA buyers in Forrest County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 |
From Forrest County to the edges of Forrest County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Hinds and Harrison Counties.
What can you buy with FHA in Forrest County?
Homes around Forrest County carry an estimated local median near $208,000, so an FHA buyer in Forrest County puts down about $7,280 (3.5%). With Mississippi's 0.79% effective property-tax rate, the all-in payment runs near $1,603 a month — comfortable on household income around $62,000, above Mississippi's $52,719 median household income, so budget carefully.
FHA payment scenarios in Forrest County
Whether you are buying in Forrest County or a smaller Forrest 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 — $150,000 | $5,250 | $1,189 |
| Local median — $208,000 | $7,280 | $1,603 |
| At the FHA limit — $541,287 | $18,945 | $3,985 |
Estimates include FHA MIP plus Mississippi property taxes and insurance. Rates move daily near Forrest County too — get notified.
First-time buyers make up much of FHA activity in Forrest County and across Forrest County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $7,280 needed on a median Forrest County home.
Multi-unit FHA limits in Forrest County
Investors and house-hackers in Forrest County and across Forrest 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 Forrest County for 2026?
- In Forrest County (Forrest 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 Forrest County with FHA?
- For a median-priced ($208,000) Forrest County home, plan on income around $62,000 at a 31% housing ratio — about $1,603/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Forrest County?
- 3.5% with a 580+ score — roughly $7,280 on a $208,000 Forrest County-area home. Gift funds are allowed.
- Is Forrest County a high-cost FHA area?
- No — Forrest County uses the $541,287 national floor for one unit.