MS mortgage rates

Benton County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Benton County, Mississippi. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Benton County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Benton County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Benton

A local view of the market.

The real estate market in Benton County, Mississippi, has seen some fluctuations recently. As of October 2024, the median listing home price was $246,500, which represents a slight decrease of 1.4% compared to the previous year. The median price per square foot in the county is $139, and homes typically sell after an average of 86 days on the market. Benton County comprises several small towns, with Ashland being one of the most notable. Ashland, the county seat, has a population of approximately 569 people. Another key town is Hickory Flat, which is known for its more affordable housing market, with a median home price of $97,000. Living in Benton County offers a predominantly rural lifestyle, with a mix of agricultural and suburban elements. The county's economy is primarily driven by agriculture, with many residents engaged in farming and related industries. The area attracts individuals seeking a quieter, more rural lifestyle, often moving from more urbanized regions for the open spaces and community-oriented living. The county's scenic landscapes and slower pace of life are appealing to those looking to escape the hustle and bustle of city life.

Questions & Answers

Refinancing in Benton County

Common questions about 2026 loan limits and refinancing opportunities in Mississippi.

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