Smith County, Mississippi has a 2026 one-unit conforming loan limit of $832,750, which is 7.4 times the county's median home value of $112,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $60,916 (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) | $112,600 |
| Mississippi median home value | $169,800 |
| Limit ÷ median home value | 7.40× |
| Median household income | $60,916 |
| Median home value ÷ income | 1.8× |
| Population | 14,132 |
| Median property tax paid (owners) | $469 |
| Effective property tax rate (approx.) | 0.42% |
| Owner-occupied homes | 87.4% |
| Home value rank in Mississippi | 49 of 82 counties |
| Neighbor: Covington County, MS | limit $832,750; median home $105,100 |
| Neighbor: Jasper County, MS | limit $832,750; median home $107,100 |
| Neighbor: Jones County, MS | limit $832,750; median home $143,100 |
| Neighbor: Newton County, MS | limit $832,750; median home $106,300 |
| Neighbor: Rankin County, MS | limit $832,750; median home $237,400 |
| Neighbor: Scott County, MS | limit $832,750; median home $106,700 |
| Neighbor: Simpson County, MS | limit $832,750; median home $122,200 |
Across Mississippi's 82 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Smith County's median home value is 34% below the state median of $169,800 (rank 49 of 82). Among its 7 neighboring counties, Rankin County has the highest median home value ($237,400) and Covington County the lowest ($105,100); all share the same loan limit. Owners pay a median $469 a year in property tax, an effective rate of about 0.42% 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.
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