Highest FHA limit in Mississippi
$541,287
In 2026, FHA one-unit limits in Mississippi range from $541,287 to $541,287 (Adams County). 82 of 82 counties use the national floor.
82 of 82counties at the $541,287 floor
All Mississippi counties
| County | 1 unit | 2 units | 4 units | Conforming |
|---|---|---|---|---|
| Adams County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Alcorn County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Amite County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Attala County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Benton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bolivar County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Calhoun County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Carroll County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Chickasaw County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Choctaw County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Claiborne County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Clarke County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Clay County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Coahoma County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Copiah County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Covington County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| DeSoto County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Forrest County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Franklin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| George County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Greene County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Grenada County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hancock County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Harrison County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hinds County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Holmes County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Humphreys County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Issaquena County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Itawamba County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jackson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jasper County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jefferson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jefferson Davis County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jones County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Kemper County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lafayette County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lamar County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lauderdale County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lawrence County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Leake County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Leflore County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lincoln County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lowndes County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Madison County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Marion County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Marshall County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Monroe County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Montgomery County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Neshoba County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Newton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Noxubee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Oktibbeha County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Panola County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pearl River County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Perry County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pike County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pontotoc County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Prentiss County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Quitman County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Rankin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Scott County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sharkey County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Simpson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Smith County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Stone County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sunflower County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Tallahatchie County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Tate County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Tippah County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Tishomingo County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Tunica County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Union County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Walthall County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Warren County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Washington County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wayne County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Webster County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wilkinson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Winston County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Yalobusha County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Yazoo County | $541,287 | $693,050 | $1,041,125 | $832,750 |
Sources: HUD FHA forward mortgage limits CY2026 (CHUMS file, case numbers assigned on or after Jan 1, 2026); FHFA 2026 conforming loan limits; Freddie Mac PMMS 30-year average 7.40% (week of 2026-10-15) for payment examples, which cover principal and interest only, before FHA mortgage insurance, taxes and insurance. Not lending advice.
Frequently asked questions
What is the FHA loan limit in Mississippi for 2026?
In 2026, FHA one-unit limits in Mississippi range from $541,287 to $541,287 (Adams County). 82 of 82 counties use the national floor.
What is the FHA floor for 2026?
$541,287 for a one-unit home. The high-cost ceiling is $1,249,125.