FHA Loan Limits in Lowndes County, Mississippi (2026)
Buying in Lowndes County or elsewhere in Lowndes County? The 2026 FHA single-family limit across the county 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 |
These 2026 limits apply throughout Lowndes County, from Lowndes County outward, and sit alongside the limits set for neighboring Hinds and Harrison Counties.
FHA affordability around Lowndes County
Homes around Lowndes County carry an estimated local median near $195,000, so an FHA buyer in Lowndes County puts down about $6,825 (3.5%). With Mississippi's 0.79% effective property-tax rate, the all-in payment runs near $1,510 a month — comfortable on household income around $58,000, above Mississippi's $52,719 median household income, so budget carefully.
FHA payment scenarios in Lowndes County
Here is what an FHA payment looks like at three Lowndes County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $140,000 | $4,900 | $1,117 |
| Local median — $195,000 | $6,825 | $1,510 |
| At the FHA limit — $541,287 | $18,945 | $3,985 |
Estimates include FHA MIP plus Mississippi property taxes and insurance. Rates move daily near Lowndes County too — get notified.
In Lowndes County and the surrounding Lowndes County market, FHA's appeal is the math: $6,825 down on a $195,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Lowndes County
Looking at a duplex or fourplex near Lowndes County? FHA allows up to $692,997 on two units and $1,041,072 on four in Lowndes County, with the same low 3.5% down for owner-occupants.
Never Miss an FHA Rate Change
Rates move daily and FHA rules change often. We will tell you the moment something shifts.
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 Lowndes County for 2026?
- In Lowndes County (Lowndes 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 Lowndes County with FHA?
- For a median-priced ($195,000) Lowndes County home, plan on income around $58,000 at a 31% housing ratio — about $1,510/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Lowndes County?
- 3.5% with a 580+ score — roughly $6,825 on a $195,000 Lowndes County-area home. Gift funds are allowed.
- Is Lowndes County a high-cost FHA area?
- No — Lowndes County uses the $541,287 national floor for one unit.