MS mortgage rates

Desoto County

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

Desoto 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 Desoto 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 Desoto

A local view of the market.

In DeSoto County, Mississippi, the real estate market has seen a steady increase in home values. As of October 2024, the median listing home price was $360,100, marking a 2.9% rise from the previous year. This trend indicates a growing demand in the area, making it a buyer's market where the supply of homes exceeds demand. The top cities in DeSoto County include Southaven, Olive Branch, Horn Lake, and Hernando. Southaven is the largest city with a population of approximately 54,843, followed by Olive Branch with 46,586 residents. Horn Lake and Hernando have populations of 26,742 and 17,258, respectively. Living in DeSoto County offers a mix of suburban and rural experiences. The county is known for its proximity to Memphis, providing access to urban amenities while maintaining a quieter suburban lifestyle. Agriculture plays a significant role in the local economy, alongside industries like retail and manufacturing. The area attracts new residents due to its affordable housing, good schools, and the appeal of suburban living with easy access to a major city.

County snapshot

Market context.

MS

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

Market areaMemphisMapped market area
Area code32820CBSA / MSA reference
Featured communitiesHorn Lake · Southaven · Olive BranchFrom the county record
Data year2026Aligned with this limit record
Horn LakeSouthavenOlive Branch
Top cities & communities

Communities to explore.

Horn LakeSouthavenOlive Branch
Questions & Answers

Refinancing in Desoto County

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

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