FHA Loan Limits in Rankin County, Mississippi (2026)
From Rankin County, FHA buyers in Rankin 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 Rankin County — Rankin 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 Rankin County?
An FHA buyer near Rankin County faces an estimated $160,000 median, a $5,600 down payment, and — after Mississippi's 0.79% property tax — a monthly cost around $1,260. That suits household income of roughly $49,000, under Mississippi's $52,719 median household income.
FHA payment scenarios in Rankin County
Here is what an FHA payment looks like at three Rankin County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $115,000 | $4,025 | $938 |
| Local median — $160,000 | $5,600 | $1,260 |
| At the FHA limit — $541,287 | $18,945 | $3,985 |
Estimates include FHA MIP plus Mississippi property taxes and insurance. Rates move daily near Rankin County too — get notified.
Buyers across Rankin County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $5,600 down payment near Rankin County into little out of pocket.
Multi-unit FHA limits in Rankin County
Looking at a duplex or fourplex near Rankin County? FHA allows up to $692,997 on two units and $1,041,072 on four in Rankin County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Rankin County for 2026?
- In Rankin County (Rankin 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 Rankin County with FHA?
- For a median-priced ($160,000) Rankin County home, plan on income around $49,000 at a 31% housing ratio — about $1,260/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Rankin County?
- 3.5% with a 580+ score — roughly $5,600 on a $160,000 Rankin County-area home. Gift funds are allowed.
- Is Rankin County a high-cost FHA area?
- No — Rankin County uses the $541,287 national floor for one unit.