FHA Loan Limits in Tate County, Mississippi (2026)
In Tate County — anchored by Tate 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 Tate County, from Tate County outward, and sit alongside the limits set for neighboring Hinds and Harrison Counties.
Affording a home in Tate County & Tate County
Homes around Tate County carry an estimated local median near $193,000, so an FHA buyer in Tate County puts down about $6,755 (3.5%). With Mississippi's 0.79% effective property-tax rate, the all-in payment runs near $1,496 a month — comfortable on household income around $58,000, above Mississippi's $52,719 median household income, so budget carefully.
FHA payment scenarios in Tate County
FHA payments across Tate County price points — from entry homes near Tate County to the county's FHA limit (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 Tate County too — get notified.
In Tate County and the surrounding Tate County market, FHA's appeal is the math: $6,755 down on a $193,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Tate County
Tate County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Tate County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Tate County for 2026?
- In Tate County (Tate 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 Tate County with FHA?
- For a median-priced ($193,000) Tate 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 Tate County?
- 3.5% with a 580+ score — roughly $6,755 on a $193,000 Tate County-area home. Gift funds are allowed.
- Is Tate County a high-cost FHA area?
- No — Tate County uses the $541,287 national floor for one unit.