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Mississippi 2025 FHA Loan Limits

Last Updated: Sun, January 5, 2025

Loan Limits in Mississippi

Mississippi has 82 counties with FHA Limits ranging from a low of $524,225 for a 1-bedroom unit in Adams County to a high of $1,008,300 for a 4-bedroom unit in Adams County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Mississippi's counties, choose the county from the interactive map or the list below.


Lowest Loan Limit ($1,008,300) †
Highest Loan Limit ($1,008,300)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in Mississippi (82 counties)

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

How to qualify for an FHA Loan in Mississippi?

To qualify for an FHA loan in Mississippi, your home loan must be below the local FHA loan limits in your area. For 2025, the maximum loan limit in Mississippi is $524,225 for a single-family home and $1,008,300 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in Mississippi. Additional restricts apply. Click on the Mississippi map above or the table below to see loan limits in your area.


RELATED LINKS 
FHA Appraisers in Mississippi
FHA Inspectors in Mississippi
FHA Condos in Mississippi
FHA Lenders in Mississippi

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** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/mississippi