2026 conforming loan limits · Mississippi
All 82 counties in Mississippi use the same one-unit conforming limit of $832,750.
CY2026 Showing the 2026 FHFA dataset, effective 2026-01-01. Figures change only when FHFA publishes a new file.
Mississippi at a glance
| Metric | Value |
|---|---|
| Counties | 82 |
| Lowest one-unit conforming limit | $832,750 |
| Highest one-unit conforming limit | $832,750 |
| Distinct one-unit limits | 1 |
| Applicable baseline | $832,750 |
| Above the applicable baseline | 0 of 82 (0.0%) |
| At the applicable ceiling | 0 |
| Dataset year | CY2026 |
Every county in Mississippi carries the same one-unit limit, so there is no high-cost ranking to show.
Conforming and FHA limits by county
Two federal programs, two agencies, two different limits. The conforming figure is FHFA’s cap on what Fannie Mae and Freddie Mac may buy; the FHA figure is HUD’s cap on what FHA will insure. Neither governs the other.
| County | Metro | Conforming 1-unit (2026) | FHA 1-unit (2026) | Difference |
|---|---|---|---|---|
| Adams County | NATCHEZ, MS-LA | $832,750 | $541,287 | $291,463 |
| Alcorn County | CORINTH, MS | $832,750 | $541,287 | $291,463 |
| Amite County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Attala County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Benton County | MEMPHIS, TN-MS-AR | $832,750 | $541,287 | $291,463 |
| Bolivar County | CLEVELAND, MS | $832,750 | $541,287 | $291,463 |
| Calhoun County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Carroll County | GREENWOOD, MS | $832,750 | $541,287 | $291,463 |
| Chickasaw County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Choctaw County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Claiborne County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Clarke County | MERIDIAN, MS | $832,750 | $541,287 | $291,463 |
| Clay County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Coahoma County | CLARKSDALE, MS | $832,750 | $541,287 | $291,463 |
| Copiah County | JACKSON, MS | $832,750 | $541,287 | $291,463 |
| Covington County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Desoto County | MEMPHIS, TN-MS-AR | $832,750 | $541,287 | $291,463 |
| Forrest County | HATTIESBURG, MS | $832,750 | $541,287 | $291,463 |
| Franklin County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| George County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Greene County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Grenada County | GRENADA, MS | $832,750 | $541,287 | $291,463 |
| Hancock County | GULFPORT-BILOXI, MS | $832,750 | $541,287 | $291,463 |
| Harrison County | GULFPORT-BILOXI, MS | $832,750 | $541,287 | $291,463 |
| Hinds County | JACKSON, MS | $832,750 | $541,287 | $291,463 |
| Holmes County | JACKSON, MS | $832,750 | $541,287 | $291,463 |
| Humphreys County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Issaquena County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Itawamba County | TUPELO, MS | $832,750 | $541,287 | $291,463 |
| Jackson County | GULFPORT-BILOXI, MS | $832,750 | $541,287 | $291,463 |
| Jasper County | LAUREL, MS | $832,750 | $541,287 | $291,463 |
| Jefferson County | NATCHEZ, MS-LA | $832,750 | $541,287 | $291,463 |
| Jefferson Davis County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Jones County | LAUREL, MS | $832,750 | $541,287 | $291,463 |
| Kemper County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lafayette County | OXFORD, MS | $832,750 | $541,287 | $291,463 |
| Lamar County | HATTIESBURG, MS | $832,750 | $541,287 | $291,463 |
| Lauderdale County | MERIDIAN, MS | $832,750 | $541,287 | $291,463 |
| Lawrence County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Leake County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lee County | TUPELO, MS | $832,750 | $541,287 | $291,463 |
| Leflore County | GREENWOOD, MS | $832,750 | $541,287 | $291,463 |
| Lincoln County | BROOKHAVEN, MS | $832,750 | $541,287 | $291,463 |
| Lowndes County | COLUMBUS, MS | $832,750 | $541,287 | $291,463 |
| Madison County | JACKSON, MS | $832,750 | $541,287 | $291,463 |
| Marion County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Marshall County | MEMPHIS, TN-MS-AR | $832,750 | $541,287 | $291,463 |
| Monroe County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Montgomery County | GRENADA, MS | $832,750 | $541,287 | $291,463 |
| Neshoba County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Newton County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Noxubee County | COLUMBUS, MS | $832,750 | $541,287 | $291,463 |
| Oktibbeha County | STARKVILLE, MS | $832,750 | $541,287 | $291,463 |
| Panola County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Pearl River County | PICAYUNE, MS | $832,750 | $541,287 | $291,463 |
| Perry County | HATTIESBURG, MS | $832,750 | $541,287 | $291,463 |
| Pike County | MCCOMB, MS | $832,750 | $541,287 | $291,463 |
| Pontotoc County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Prentiss County | TUPELO, MS | $832,750 | $541,287 | $291,463 |
| Quitman County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Rankin County | JACKSON, MS | $832,750 | $541,287 | $291,463 |
| Scott County | JACKSON, MS | $832,750 | $541,287 | $291,463 |
| Sharkey County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Simpson County | JACKSON, MS | $832,750 | $541,287 | $291,463 |
| Smith County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Stone County | GULFPORT-BILOXI, MS | $832,750 | $541,287 | $291,463 |
| Sunflower County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Tallahatchie County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Tate County | MEMPHIS, TN-MS-AR | $832,750 | $541,287 | $291,463 |
| Tippah County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Tishomingo County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Tunica County | MEMPHIS, TN-MS-AR | $832,750 | $541,287 | $291,463 |
| Union County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Walthall County | MCCOMB, MS | $832,750 | $541,287 | $291,463 |
| Warren County | VICKSBURG, MS | $832,750 | $541,287 | $291,463 |
| Washington County | GREENVILLE, MS | $832,750 | $541,287 | $291,463 |
| Wayne County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Webster County | STARKVILLE, MS | $832,750 | $541,287 | $291,463 |
| Wilkinson County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Winston County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Yalobusha County | OXFORD, MS | $832,750 | $541,287 | $291,463 |
| Yazoo County | JACKSON, MS | $832,750 | $541,287 | $291,463 |
Two-, three- and four-unit conforming limits
FHFA publishes a separate limit for each property size. These are its published figures, not multiples of the one-unit limit.
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Adams County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Alcorn County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Amite County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Attala County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Benton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bolivar County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Calhoun County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Carroll County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Chickasaw County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Choctaw County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Claiborne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clarke County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Coahoma County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Copiah County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Covington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Desoto County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Forrest County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Franklin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| George County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Greene County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Grenada County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hancock County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Harrison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hinds County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Holmes County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Humphreys County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Issaquena County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Itawamba County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jasper County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jefferson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jefferson Davis County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jones County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kemper County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lafayette County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lamar County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lauderdale County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lawrence County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Leake County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Leflore County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lincoln County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lowndes County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Madison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marion County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marshall County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Monroe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Montgomery County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Neshoba County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Newton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Noxubee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Oktibbeha County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Panola County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pearl River County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Perry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pike County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pontotoc County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Prentiss County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Quitman County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rankin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Scott County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sharkey County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Simpson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Smith County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Stone County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sunflower County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tallahatchie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tate County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tippah County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tishomingo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tunica County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Union County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Walthall County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Warren County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wayne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Webster County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wilkinson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Winston County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Yalobusha County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Yazoo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
Government sources
Federal Housing Finance Agency (FHFA) — Conforming Loan Limits by County (HERA-based)
Fields used: FIPS State Code; FIPS County Code; County Name; State; CBSA Number; One-Unit Limit; Two-Unit Limit; Three-Unit Limit; Four-Unit Limit
U.S. Department of Housing and Urban Development (HUD) — FHA Single Family Forward Mortgage Limits
Fields used: cols 073-079: one-unit forward mortgage limit; cols 080-086: two-unit forward mortgage limit; cols 087-093: three-unit forward mortgage limit; cols 094-100: four-unit forward mortgage limit; cols 101-102: state postal code; cols 103-105: county FIPS code; cols 000-009: CBSA/metro code (9999900000 = non-metro)