FHA Loan Limits in Warren County, Mississippi (2026)
Warren County and the rest of Warren 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 Warren County — Warren 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 Warren County?
With Warren County's median sale price estimated near $215,000 (think Warren County), the FHA down payment is roughly $7,525. Factoring Mississippi property taxes near 0.79%, expect about $1,653 monthly, pointing to income near $64,000 — above Mississippi's $52,719 median household income, so budget carefully.
FHA payment scenarios in Warren County
FHA payments across Warren County price points — from entry homes near Warren County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $155,000 | $5,425 | $1,224 |
| Local median — $215,000 | $7,525 | $1,653 |
| At the FHA limit — $541,287 | $18,945 | $3,985 |
Estimates include FHA MIP plus Mississippi property taxes and insurance. Rates move daily near Warren County too — get notified.
Buyers across Warren County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $7,525 down payment near Warren County into little out of pocket.
Multi-unit FHA limits in Warren County
Warren County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Warren 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 Warren County for 2026?
- In Warren County (Warren 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 Warren County with FHA?
- For a median-priced ($215,000) Warren County home, plan on income around $64,000 at a 31% housing ratio — about $1,653/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Warren County?
- 3.5% with a 580+ score — roughly $7,525 on a $215,000 Warren County-area home. Gift funds are allowed.
- Is Warren County a high-cost FHA area?
- No — Warren County uses the $541,287 national floor for one unit.