MS mortgage rates

Harrison County

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

Harrison 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 Harrison 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 Harrison

A local view of the market.

The real estate market in Harrison County, Mississippi, is experiencing a stable trend with a median home list price of $250,023 as of October 2024. This price has remained unchanged from the previous year, indicating a steady market. Homes in the area are listed at a median price of $143 per square foot, and the county has seen an increase in housing inventory, with 1,494 homes for sale, a 7.1% increase from the previous month. Harrison County is home to several prominent cities, including Gulfport, Biloxi, and Pass Christian. Gulfport, the largest city, has a population of approximately 71,000 and is known for its affordable housing market, with a median listing price of $248,500. Biloxi, with a population of around 46,000, offers a slightly higher median listing price of $298,000, reflecting its vibrant cultural scene and proximity to the Gulf Coast. Pass Christian, a smaller city with a population of about 5,500, features a more upscale market with a median listing price of $464,500. Living in Harrison County offers a mix of suburban and rural experiences, with areas dedicated to agriculture and suburban life. The county's economy is supported by industries such as tourism, gaming, and seafood processing, which attract people looking for job opportunities and a coastal lifestyle. The region's appeal is further enhanced by its scenic beauty and recreational activities, drawing new residents seeking a balance between work and leisure. Migration patterns suggest that people are moving to Harrison County for its affordable housing, economic opportunities, and quality of life.

County snapshot

Market context.

MS

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

Market areaGulfport-BiloxiMapped market area
Area code25060CBSA / MSA reference
Featured communitiesGulfport · BiloxiFrom the county record
Data year2026Aligned with this limit record
GulfportBiloxi
Top cities & communities

Communities to explore.

GulfportBiloxi
Questions & Answers

Refinancing in Harrison County

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

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