FHA Loan Limits and USDA Eligibility in Mississippi
2026 FHA one-unit limit in Mississippi is $541,287. About 92% of ZIP centers look USDA-eligible. USDA 502 Guaranteed 1–4 person income limits range from $122,800 to $122,800. Enter a ZIP on the maps. County FHA caps are listed below.
2026 FHA Loan Limits Map for Mississippi
Mississippi one-unit limits: —
Loading FHA loan limits map…
Loading Mississippi…
Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+
USDA Property Eligibility and Income Limits Map for Mississippi
Loading USDA map…
Loading Mississippi…
EligibleIneligibleUSDA ineligible boundary
Mississippi FHA and USDA Figures by County
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when it does, both caps are listed. This table does not mark a county as USDA eligible or ineligible.
| County | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| Adams County | $541,287 | $122,800 |
| Alcorn County | $541,287 | $122,800 |
| Amite County | $541,287 | $122,800 |
| Attala County | $541,287 | $122,800 |
| Benton County | $541,287 | $122,800 |
| Bolivar County | $541,287 | $122,800 |
| Calhoun County | $541,287 | $122,800 |
| Carroll County | $541,287 | $122,800 |
| Chickasaw County | $541,287 | $122,800 |
| Choctaw County | $541,287 | $122,800 |
| Claiborne County | $541,287 | $122,800 |
| Clarke County | $541,287 | $122,800 |
| Clay County | $541,287 | $122,800 |
| Coahoma County | $541,287 | $122,800 |
| Copiah County | $541,287 | $122,800 |
| Covington County | $541,287 | $122,800 |
| DeSoto County | $541,287 | $122,800 |
| Forrest County | $541,287 | $122,800 |
| Franklin County | $541,287 | $122,800 |
| George County | $541,287 | $122,800 |
| Greene County | $541,287 | $122,800 |
| Grenada County | $541,287 | $122,800 |
| Hancock County | $541,287 | $122,800 |
| Harrison County | $541,287 | $122,800 |
| Hinds County | $541,287 | $122,800 |
| Holmes County | $541,287 | $122,800 |
| Humphreys County | $541,287 | $122,800 |
| Issaquena County | $541,287 | $122,800 |
| Itawamba County | $541,287 | $122,800 |
| Jackson County | $541,287 | $122,800 |
| Jasper County | $541,287 | $122,800 |
| Jefferson County | $541,287 | $122,800 |
| Jefferson Davis County | $541,287 | $122,800 |
| Jones County | $541,287 | $122,800 |
| Kemper County | $541,287 | $122,800 |
| Lafayette County | $541,287 | $122,800 |
| Lamar County | $541,287 | $122,800 |
| Lauderdale County | $541,287 | $122,800 |
| Lawrence County | $541,287 | $122,800 |
| Leake County | $541,287 | $122,800 |
| Lee County | $541,287 | $122,800 |
| Leflore County | $541,287 | $122,800 |
| Lincoln County | $541,287 | $122,800 |
| Lowndes County | $541,287 | $122,800 |
| Madison County | $541,287 | $122,800 |
| Marion County | $541,287 | $122,800 |
| Marshall County | $541,287 | $122,800 |
| Monroe County | $541,287 | $122,800 |
| Montgomery County | $541,287 | $122,800 |
| Neshoba County | $541,287 | $122,800 |
| Newton County | $541,287 | $122,800 |
| Noxubee County | $541,287 | $122,800 |
| Oktibbeha County | $541,287 | $122,800 |
| Panola County | $541,287 | $122,800 |
| Pearl River County | $541,287 | $122,800 |
| Perry County | $541,287 | $122,800 |
| Pike County | $541,287 | $122,800 |
| Pontotoc County | $541,287 | $122,800 |
| Prentiss County | $541,287 | $122,800 |
| Quitman County | $541,287 | $122,800 |
| Rankin County | $541,287 | $122,800 |
| Scott County | $541,287 | $122,800 |
| Sharkey County | $541,287 | $122,800 |
| Simpson County | $541,287 | $122,800 |
| Smith County | $541,287 | $122,800 |
| Stone County | $541,287 | $122,800 |
| Sunflower County | $541,287 | $122,800 |
| Tallahatchie County | $541,287 | $122,800 |
| Tate County | $541,287 | $122,800 |
| Tippah County | $541,287 | $122,800 |
| Tishomingo County | $541,287 | $122,800 |
| Tunica County | $541,287 | $122,800 |
| Union County | $541,287 | $122,800 |
| Walthall County | $541,287 | $122,800 |
| Warren County | $541,287 | $122,800 |
| Washington County | $541,287 | $122,800 |
| Wayne County | $541,287 | $122,800 |
| Webster County | $541,287 | $122,800 |
| Wilkinson County | $541,287 | $122,800 |
| Winston County | $541,287 | $122,800 |
| Yalobusha County | $541,287 | $122,800 |
| Yazoo County | $541,287 | $122,800 |
Connect with a Lender in Mississippi
Connect with a lender to confirm FHA loan limits, USDA income limits, and a specific Mississippi address. Only a lender can confirm official program requirements.
Get your answer
Loan Options in Mississippi
A licensed lender can confirm USDA property eligibility, household income, and the FHA county cap for a specific address — then match you if you qualify.
Connect with a lender
NMLS-licensed lenders Fast Lender Matching No initial credit impact
Powered by Mortgage Research Center, NMLS #1907 — Trusted since 2002
FAQ for Mississippi
Learn More
Loan Information by State
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming