Pontotoc County, Mississippi has a 2026 one-unit conforming loan limit of $832,750, which is 5.3 times the county's median home value of $157,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $51,484 (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) | $157,100 |
| Mississippi median home value | $169,800 |
| Limit ÷ median home value | 5.30× |
| Median household income | $51,484 |
| Median home value ÷ income | 3.1× |
| Population | 31,550 |
| Median property tax paid (owners) | $911 |
| Effective property tax rate (approx.) | 0.58% |
| Owner-occupied homes | 69.8% |
| Home value rank in Mississippi | 21 of 82 counties |
| Neighbor: Calhoun County, MS | limit $832,750; median home $90,300 |
| Neighbor: Chickasaw County, MS | limit $832,750; median home $109,800 |
| Neighbor: Lafayette County, MS | limit $832,750; median home $315,400 |
| Neighbor: Lee County, MS | limit $832,750; median home $199,500 |
| Neighbor: Union County, MS | limit $832,750; median home $163,400 |
Across Mississippi's 82 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Pontotoc County's median home value is 7% below the state median of $169,800 (rank 21 of 82). Among its 5 neighboring counties, Lafayette County has the highest median home value ($315,400) and Calhoun County the lowest ($90,300); all share the same loan limit. Owners pay a median $911 a year in property tax, an effective rate of about 0.58% 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
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Last updated 2026-10-16. Data only, not financial or tax advice.