Desoto County, Mississippi has a 2026 one-unit conforming loan limit of $832,750, which is 3.1 times the county's median home value of $269,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $85,297 (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) | $269,600 |
| Mississippi median home value | $169,800 |
| Limit ÷ median home value | 3.09× |
| Median household income | $85,297 |
| Median home value ÷ income | 3.2× |
| Population | 191,301 |
| Median property tax paid (owners) | $1,613 |
| Effective property tax rate (approx.) | 0.60% |
| Owner-occupied homes | 77.9% |
| Home value rank in Mississippi | 3 of 82 counties |
| Neighbor: Crittenden County, AR | limit $832,750; median home $160,200 |
| Neighbor: Marshall County, MS | limit $832,750; median home $167,900 |
| Neighbor: Tate County, MS | limit $832,750; median home $209,000 |
| Neighbor: Tunica County, MS | limit $832,750; median home $175,900 |
| Neighbor: Shelby County, TN | limit $832,750; median home $249,100 |
Across Mississippi's 82 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Desoto County's median home value is 59% above the state median of $169,800 (rank 3 of 82). Among its 5 neighboring counties, Shelby County has the highest median home value ($249,100) and Crittenden County the lowest ($160,200); all share the same loan limit. Owners pay a median $1,613 a year in property tax, an effective rate of about 0.60% 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.
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Last updated 2026-10-16. Data only, not financial or tax advice.
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