FHA Loan Limits in Pearl River County, Mississippi (2026)
In Pearl River County — anchored by Pearl River 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 |
These 2026 limits apply throughout Pearl River County, from Pearl River County outward, and sit alongside the limits set for neighboring Hinds and Harrison Counties.
Affording a home in Pearl River County & Pearl River County
Homes around Pearl River County carry an estimated local median near $161,000, so an FHA buyer in Pearl River County puts down about $5,635 (3.5%). With Mississippi's 0.79% effective property-tax rate, the all-in payment runs near $1,267 a month — comfortable on household income around $49,000, under Mississippi's $52,719 median household income.
FHA payment scenarios in Pearl River County
Whether you are buying in Pearl River County or a smaller Pearl River 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 — $116,000 | $4,060 | $946 |
| Local median — $161,000 | $5,635 | $1,267 |
| At the FHA limit — $541,287 | $18,945 | $3,985 |
Estimates include FHA MIP plus Mississippi property taxes and insurance. Rates move daily near Pearl River County too — get notified.
In Pearl River County and the surrounding Pearl River County market, FHA's appeal is the math: $5,635 down on a $161,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Pearl River County
Investors and house-hackers in Pearl River County and across Pearl River 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 Pearl River County for 2026?
- In Pearl River County (Pearl River 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 Pearl River County with FHA?
- For a median-priced ($161,000) Pearl River County home, plan on income around $49,000 at a 31% housing ratio — about $1,267/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Pearl River County?
- 3.5% with a 580+ score — roughly $5,635 on a $161,000 Pearl River County-area home. Gift funds are allowed.
- Is Pearl River County a high-cost FHA area?
- No — Pearl River County uses the $541,287 national floor for one unit.