FHA Loan Limits in Yazoo County, Mississippi (2026)
In Yazoo County — anchored by Yazoo 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 |
Every community in Yazoo County — Yazoo County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Hinds and Harrison Counties.
Affording a home in Yazoo County & Yazoo County
An FHA buyer near Yazoo County faces an estimated $180,000 median, a $6,300 down payment, and — after Mississippi's 0.79% property tax — a monthly cost around $1,403. That suits household income of roughly $54,000, above Mississippi's $52,719 median household income, so budget carefully.
FHA payment scenarios in Yazoo County
Here is what an FHA payment looks like at three Yazoo County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $130,000 | $4,550 | $1,046 |
| Local median — $180,000 | $6,300 | $1,403 |
| At the FHA limit — $541,287 | $18,945 | $3,985 |
Estimates include FHA MIP plus Mississippi property taxes and insurance. Rates move daily near Yazoo County too — get notified.
Buyers across Yazoo County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $6,300 down payment near Yazoo County into little out of pocket.
Multi-unit FHA limits in Yazoo County
Looking at a duplex or fourplex near Yazoo County? FHA allows up to $692,997 on two units and $1,041,072 on four in Yazoo 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 Yazoo County for 2026?
- In Yazoo County (Yazoo 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 Yazoo County with FHA?
- For a median-priced ($180,000) Yazoo County home, plan on income around $54,000 at a 31% housing ratio — about $1,403/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Yazoo County?
- 3.5% with a 580+ score — roughly $6,300 on a $180,000 Yazoo County-area home. Gift funds are allowed.
- Is Yazoo County a high-cost FHA area?
- No — Yazoo County uses the $541,287 national floor for one unit.