Clay County, Mississippi has a 2026 one-unit conforming loan limit of $832,750, which is 6.5 times the county's median home value of $129,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $43,125 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $129,100 |
| Mississippi median home value | $169,800 |
| Limit ÷ median home value | 6.45× |
| Median household income | $43,125 |
| Median home value ÷ income | 3.0× |
| Population | 18,383 |
| Median property tax paid (owners) | $810 |
| Effective property tax rate (approx.) | 0.63% |
| Owner-occupied homes | 71.3% |
| Home value rank in Mississippi | 32 of 82 counties |
| Neighbor: Chickasaw County, MS | limit $832,750; median home $109,800 |
| Neighbor: Lowndes County, MS | limit $832,750; median home $164,100 |
| Neighbor: Monroe County, MS | limit $832,750; median home $120,800 |
| Neighbor: Oktibbeha County, MS | limit $832,750; median home $237,700 |
| Neighbor: Webster County, MS | limit $832,750; median home $120,100 |
Across Mississippi's 82 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Clay County's median home value is 24% below the state median of $169,800 (rank 32 of 82). Among its 5 neighboring counties, Oktibbeha County has the highest median home value ($237,700) and Chickasaw County the lowest ($109,800); all share the same loan limit. Owners pay a median $810 a year in property tax, an effective rate of about 0.63% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: Clay County, KY
- 2026 conforming loan limit: Clay County, MN
- 2026 conforming loan limit: Clay County, MO
- 2026 conforming loan limit: Clay County, NC
- 2026 conforming loan limit: Clay County, NE
- 2026 conforming loan limit: Clay County, SD
- 2026 conforming loan limit: Clay County, TN
- 2026 conforming loan limit: Clay County, TX
Last updated 2026-10-16. Data only, not financial or tax advice.