FHA Loan Limits in Jones County, Mississippi (2026)
Jones County and the rest of Jones County, Mississippi fall under a 2026 one-unit FHA limit of $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 |
From Jones County to the edges of Jones County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Hinds and Harrison Counties.
How much home can you afford in Jones County?
An FHA buyer near Jones County faces an estimated $197,000 median, a $6,895 down payment, and — after Mississippi's 0.79% property tax — a monthly cost around $1,524. That suits household income of roughly $59,000, above Mississippi's $52,719 median household income, so budget carefully.
FHA payment scenarios in Jones County
FHA payments across Jones County price points — from entry homes near Jones County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $142,000 | $4,970 | $1,131 |
| Local median — $197,000 | $6,895 | $1,524 |
| At the FHA limit — $541,287 | $18,945 | $3,985 |
Estimates include FHA MIP plus Mississippi property taxes and insurance. Rates move daily near Jones County too — get notified.
First-time buyers make up much of FHA activity in Jones County and across Jones County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $6,895 needed on a median Jones County home.
Multi-unit FHA limits in Jones County
Jones County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Jones County can live in one unit and rent the rest to offset the mortgage.
Stay Ahead of FHA Rule Changes
Join the free FHA Notification Program — we watch rates, requirements, and new programs so you do not have to.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Jones County for 2026?
- In Jones County (Jones 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 Jones County with FHA?
- For a median-priced ($197,000) Jones County home, plan on income around $59,000 at a 31% housing ratio — about $1,524/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Jones County?
- 3.5% with a 580+ score — roughly $6,895 on a $197,000 Jones County-area home. Gift funds are allowed.
- Is Jones County a high-cost FHA area?
- No — Jones County uses the $541,287 national floor for one unit.