FHA Loan Limits in Lamar County, Mississippi (2026)
From Lamar County, FHA buyers in Lamar 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 |
Every community in Lamar County — Lamar County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Hinds and Harrison Counties.
What can you buy with FHA in Lamar County?
Homes around Lamar County carry an estimated local median near $209,000, so an FHA buyer in Lamar County puts down about $7,315 (3.5%). With Mississippi's 0.79% effective property-tax rate, the all-in payment runs near $1,610 a month — comfortable on household income around $62,000, above Mississippi's $52,719 median household income, so budget carefully.
FHA payment scenarios in Lamar County
Whether you are buying in Lamar County or a smaller Lamar 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 — $209,000 | $7,315 | $1,610 |
| At the FHA limit — $541,287 | $18,945 | $3,985 |
Estimates include FHA MIP plus Mississippi property taxes and insurance. Rates move daily near Lamar County too — get notified.
Buyers across Lamar County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $7,315 down payment near Lamar County into little out of pocket.
Multi-unit FHA limits in Lamar County
Investors and house-hackers in Lamar County and across Lamar 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 Lamar County for 2026?
- In Lamar County (Lamar 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 Lamar County with FHA?
- For a median-priced ($209,000) Lamar County home, plan on income around $62,000 at a 31% housing ratio — about $1,610/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Lamar County?
- 3.5% with a 580+ score — roughly $7,315 on a $209,000 Lamar County-area home. Gift funds are allowed.
- Is Lamar County a high-cost FHA area?
- No — Lamar County uses the $541,287 national floor for one unit.