FHA Loan Limits in Lauderdale County, Mississippi (2026)
Lauderdale County and the rest of Lauderdale 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 |
Every community in Lauderdale County — Lauderdale County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Hinds and Harrison Counties.
How much home can you afford in Lauderdale County?
An FHA buyer near Lauderdale County faces an estimated $209,000 median, a $7,315 down payment, and — after Mississippi's 0.79% property tax — a monthly cost around $1,610. That suits household income of roughly $62,000, above Mississippi's $52,719 median household income, so budget carefully.
FHA payment scenarios in Lauderdale County
FHA payments across Lauderdale County price points — from entry homes near Lauderdale County to the county's FHA limit (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 Lauderdale County too — get notified.
Buyers across Lauderdale County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $7,315 down payment near Lauderdale County into little out of pocket.
Multi-unit FHA limits in Lauderdale County
Lauderdale County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Lauderdale County can live in one unit and rent the rest to offset the mortgage.
Stay Ahead of FHA Rule Changes
We track HUD and FHA so you can move at the right moment — free, no pressure.
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 Lauderdale County for 2026?
- In Lauderdale County (Lauderdale 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 Lauderdale County with FHA?
- For a median-priced ($209,000) Lauderdale 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 Lauderdale County?
- 3.5% with a 580+ score — roughly $7,315 on a $209,000 Lauderdale County-area home. Gift funds are allowed.
- Is Lauderdale County a high-cost FHA area?
- No — Lauderdale County uses the $541,287 national floor for one unit.