MS mortgage rates

Clay County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Clay 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

Clay 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 Clay 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 Clay

A local view of the market.

The real estate market in Clay County, Mississippi, has seen some fluctuations recently. The median listing home price in October 2024 was approximately $187,300, reflecting a decrease of 7.6% from the previous year. Additionally, the average home value in the county is $132,685, which is down by 4.8% over the past year. Clay County is home to several cities, with West Point being the most notable. West Point has a population of around 10,000 residents and serves as the county seat. Other smaller communities include Pheba and Cedarbluff, which contribute to the county's overall rural charm. Living in Clay County offers a mix of rural and suburban lifestyles, with a strong emphasis on agriculture and farming. The county's economy is supported by industries such as manufacturing and agriculture, which attract residents seeking a quieter, more rural lifestyle. Additionally, the area's affordability and community-focused environment make it an appealing destination for those looking to escape the hustle and bustle of larger cities.

County snapshot

Market context.

MS

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaWest PointMapped market area
Area code48500CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Clay County

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

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