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Seasonal home affordability gains faded again to start 2025. See our latest update of "The income you need to buy a home in the top 50 metro housing markets".

Seasonal home affordability gains faded again to start 2025. See our latest update of "The income you need to buy a home in the top 50 metro housing markets".

Current FHA Mortgage Rates in MS - Mississippi FHA Mortgage

Mississippi Mortgages

2025 FHA Loan Limits for Mississippi

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2025 FHA loan limits for each county in Mississippi are below.

Select County
County Name One Family Two Family Three Family Four Family
Adams One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Alcorn One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Amite One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Attala One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Benton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bolivar One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Calhoun One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Carroll One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Chickasaw One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Choctaw One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Claiborne One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Clarke One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Clay One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Coahoma One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Copiah One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Covington One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Desoto One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Forrest One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Franklin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
George One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Greene One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Grenada One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hancock One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Harrison One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hinds One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Holmes One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Humphreys One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Issaquena One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Itawamba One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jackson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jasper One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jefferson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jefferson Davis One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jones One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Kemper One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lafayette One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lamar One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lauderdale One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lawrence One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Leake One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lee One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Leflore One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lincoln One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lowndes One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Madison One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Marion One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Marshall One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Monroe One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Montgomery One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Neshoba One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Newton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Noxubee One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Oktibbeha One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Panola One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pearl River One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Perry One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pike One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pontotoc One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Prentiss One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Quitman One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Rankin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Scott One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Sharkey One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Simpson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Smith One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Stone One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Sunflower One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Tallahatchie One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Tate One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Tippah One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Tishomingo One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Tunica One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Union One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Walthall One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Warren One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Washington One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wayne One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Webster One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wilkinson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Winston One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Yalobusha One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Yazoo One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300

Mortgage Rates by State

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