FHA Loan Limits in Harrison County, Mississippi (2026)
In Harrison County — anchored by Harrison County — the 2026 FHA loan limit for a single-family home 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 Harrison County — Harrison County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Hinds and DeSoto Counties.
Affording a home in Harrison County & Harrison County
With Harrison County's median sale price estimated near $235,000 (think Harrison County), the FHA down payment is roughly $8,225. Factoring Mississippi property taxes near 0.79%, expect about $1,796 monthly, pointing to income near $70,000 — above Mississippi's $52,719 median household income, so budget carefully.
FHA payment scenarios in Harrison County
Here is what an FHA payment looks like at three Harrison County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $169,000 | $5,915 | $1,324 |
| Local median — $235,000 | $8,225 | $1,796 |
| At the FHA limit — $541,287 | $18,945 | $3,985 |
Estimates include FHA MIP plus Mississippi property taxes and insurance. Rates move daily near Harrison County too — get notified.
Buyers across Harrison County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $8,225 down payment near Harrison County into little out of pocket.
Multi-unit FHA limits in Harrison County
Looking at a duplex or fourplex near Harrison County? FHA allows up to $692,997 on two units and $1,041,072 on four in Harrison County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Harrison County for 2026?
- In Harrison County (Harrison 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 Harrison County with FHA?
- For a median-priced ($235,000) Harrison County home, plan on income around $70,000 at a 31% housing ratio — about $1,796/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Harrison County?
- 3.5% with a 580+ score — roughly $8,225 on a $235,000 Harrison County-area home. Gift funds are allowed.
- Is Harrison County a high-cost FHA area?
- No — Harrison County uses the $541,287 national floor for one unit.