FHA Loan Limits in Pike County, Mississippi (2026)
Pike County and the rest of Pike 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 Pike County — Pike 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 Pike County?
An FHA buyer near Pike County faces an estimated $193,000 median, a $6,755 down payment, and — after Mississippi's 0.79% property tax — a monthly cost around $1,496. That suits household income of roughly $58,000, above Mississippi's $52,719 median household income, so budget carefully.
FHA payment scenarios in Pike County
Whether you are buying in Pike County or a smaller Pike 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 — $139,000 | $4,865 | $1,110 |
| Local median — $193,000 | $6,755 | $1,496 |
| At the FHA limit — $541,287 | $18,945 | $3,985 |
Estimates include FHA MIP plus Mississippi property taxes and insurance. Rates move daily near Pike County too — get notified.
Buyers across Pike County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $6,755 down payment near Pike County into little out of pocket.
Multi-unit FHA limits in Pike County
Investors and house-hackers in Pike County and across Pike 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 Pike County for 2026?
- In Pike County (Pike 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 Pike County with FHA?
- For a median-priced ($193,000) Pike County home, plan on income around $58,000 at a 31% housing ratio — about $1,496/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Pike County?
- 3.5% with a 580+ score — roughly $6,755 on a $193,000 Pike County-area home. Gift funds are allowed.
- Is Pike County a high-cost FHA area?
- No — Pike County uses the $541,287 national floor for one unit.