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2026 FHA Loan Limits in Mississippi
If you’re looking to purchase a home in Mississippi, you may qualify for a loan backed by the Federal Housing Administration (FHA). These loans come with less stringent qualification requirements than conventional loans.
In some states, FHA loan limits vary, with higher limits in more expensive metro areas. In Mississippi, however, the FHA loan limit is $541,287 across all of the counties in the state. Here’s what you need to know about qualifying for an FHA loan in Mississippi.
Mississippi FHA loan limits by county
| County name | One unit | Two units | Three units | Four units | Median sales price |
|---|---|---|---|---|---|
| ADAMS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $137,000 |
| ALCORN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $184,000 |
| AMITE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $116,000 |
| ATTALA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $139,000 |
| BENTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $339,000 |
| BOLIVAR COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $159,000 |
| CALHOUN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $107,000 |
| CARROLL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $136,000 |
| CHICKASAW COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $130,000 |
| CHOCTAW COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $135,000 |
| CLAIBORNE COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $104,000 |
| CLARKE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $258,000 |
| CLAY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $149,000 |
| COAHOMA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $112,000 |
| COPIAH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $327,000 |
| COVINGTON COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $127,000 |
| DESOTO COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $339,000 |
| FORREST COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $271,000 |
| FRANKLIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $88,000 |
| GEORGE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $217,000 |
| GREENE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $122,000 |
| GRENADA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $197,000 |
| HANCOCK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $253,000 |
| HARRISON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $253,000 |
| HINDS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $327,000 |
| HOLMES COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $327,000 |
| HUMPHREYS COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $115,000 |
| ISSAQUENA COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $144,000 |
| ITAWAMBA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $286,000 |
| JACKSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $253,000 |
| JASPER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $220,000 |
| JEFFERSON COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $137,000 |
| JEFFERSON DAVIS | $541,287 | $693,050 | $837,700 | $1,041,125 | $112,000 |
| JONES COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $220,000 |
| KEMPER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $89,000 |
| LAFAYETTE COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $408,000 |
| LAMAR COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $271,000 |
| LAUDERDALE COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $258,000 |
| LAWRENCE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $135,000 |
| LEAKE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $157,000 |
| LEE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $286,000 |
| LEFLORE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $136,000 |
| LINCOLN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $180,000 |
| LOWNDES COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $226,000 |
| MADISON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $327,000 |
| MARION COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $151,000 |
| MARSHALL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $339,000 |
| MONROE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $149,000 |
| MONTGOMERY COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $197,000 |
| NESHOBA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $125,000 |
| NEWTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $133,000 |
| NOXUBEE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $226,000 |
| OKTIBBEHA COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $312,000 |
| PANOLA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $157,000 |
| PEARL RIVER COU | $541,287 | $693,050 | $837,700 | $1,041,125 | $216,000 |
| PERRY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $271,000 |
| PIKE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $242,000 |
| PONTOTOC COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $293,000 |
| PRENTISS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $286,000 |
| QUITMAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $89,000 |
| RANKIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $327,000 |
| SCOTT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $327,000 |
| SHARKEY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $16,000 |
| SIMPSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $327,000 |
| SMITH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $147,000 |
| STONE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $253,000 |
| SUNFLOWER COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $134,000 |
| TALLAHATCHIE CO | $541,287 | $693,050 | $837,700 | $1,041,125 | $106,000 |
| TATE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $339,000 |
| TIPPAH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $166,000 |
| TISHOMINGO COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $163,000 |
| TUNICA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $339,000 |
| UNION COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $205,000 |
| WALTHALL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $242,000 |
| WARREN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $186,000 |
| WASHINGTON COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $128,000 |
| WAYNE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $252,000 |
| WEBSTER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $312,000 |
| WILKINSON COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $104,000 |
| WINSTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $156,000 |
| YALOBUSHA COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $408,000 |
| YAZOO COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $327,000 |
How much is your home purchase price?
$400,000
How are FHA loan limits determined?
FHA loan limits fluctuate from year to year based on the conforming loan limits for traditional mortgages, which are set by the Federal Housing Finance Agency (FHFA). For 2026, the conforming loan limit is $832,750 in most areas.
FHA loan limits are set at a percentage of these conforming loan limits. The “floor,” or the lowest loan limit, is 65% of the conforming loan limit. In 2026, the floor is $541,287 for a single-unit property. The ceiling, or the highest loan limit for high-cost areas, is calculated at 150% of the conforming loan limit. In 2026, the ceiling is $1,249,125.
How to qualify for an FHA loan in Mississippi
In general, FHA loans are easier to qualify for than traditional loans. If you don’t have a large down payment or your credit score is on the lower end, you may still be eligible. There are, however, still a number of boxes you must be able to check in order to receive an FHA loan for a single-unit property:
- Down payment: The down payment amount required for an FHA loan is dependent on your credit score. Your down payment can be as low as 3.5% if your credit score is at least 580. You’ll need 10% down if your credit score is between 500 and 579.
- Credit score: The lowest credit score that will qualify you for an FHA loan is 500. You’ll need a larger down payment if it’s below 580: 10% down versus 3.5% down.
- Debt-to-income ratio: In general, you need a debt-to-income ratio of no more than 43%. That’s calculated by dividing your total debt by your pre-tax income. However, if you have a strong credit score and extra cash reserves, you may qualify with a debt-to-income ratio of up to 50%.
- Mortgage insurance: In order to take out an FHA loan, you’re required to have two types of mortgage insurance: An upfront mortgage insurance premium (equal to 1.75% of the loan amount) and an annual mortgage insurance premium that’s between 0.15% and 0.75% of the loan amount, depending on the loan term, amount and other factors.
- Appraisal: An FHA appraisal is required for FHA loans to ensure the home is a fair market value and up to safety standards. The cost typically ranges from $400 to $700.
- Occupancy: The property you’re purchasing the loan with must be your principal residence for at least one year. The U.S. Department of Housing and Urban Development (HUD) defines a principal residence as a property that will be occupied by the borrower for the majority of the calendar year.
Buying a multifamily property with an FHA loan
You may also qualify for an FHA loan to purchase a multifamily home with two to four units, which would allow you to rent out the additional units and pursue house hacking. However, the loan limits and borrower requirements are a bit different than those for single-unit FHA loans. Requirements for multifamily properties include:
- Down payment: A 3.5% minimum down payment is required.
- Credit score: A minimum credit score of 580 is required with a 3.5% down payment, but it can be as low as 500 with a 10% down payment.
- Cash reserves: If you’re buying a property with three to four units, you must have cash reserves equal to three months’ worth of principal, interest, taxes and insurance payments (known as PITI).
- Occupancy: You must live in one of the units for at least one year.
| Number of units | Low-cost FHA loan limit |
|---|---|
| Two | $693,050 |
| Three | $837,700 |
| Four | $1,041,125 |
FHA lenders in Mississippi
How Does LendingTree Get Paid?
LendingTree is compensated by companies whose listings appear on this site. This compensation may impact how and where listings appear (such as the order or which listings are featured). This site does not include all companies or products available.
| Lender | LendingTree rating | Min. FHA credit score | |
|---|---|---|---|
 |
Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 |
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