MS mortgage rates

Holmes County

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

Holmes 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 Holmes 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 Holmes

A local view of the market.

The real estate market in Holmes County, Mississippi, is characterized by relatively low home values compared to national averages. The average home value in the county is approximately $63,863, which has decreased by 4.3% over the past year. This trend reflects the broader economic conditions and housing market dynamics within the region. Holmes County includes several small towns, with Lexington being the county seat and one of the more prominent cities. Lexington has a population of around 1,600 residents, serving as a central hub for local governance and community activities. Another notable town is Durant, with a population of about 2,500, offering a glimpse into the rural lifestyle prevalent in the area. Living in Holmes County is predominantly rural, with agriculture playing a significant role in the local economy. The county's landscape is dotted with farms and open fields, contributing to its agricultural output. The primary industries include agriculture, forestry, and education, with many residents engaged in farming and related activities. Migration patterns in the county often involve individuals seeking a quieter, rural lifestyle away from urban centers, attracted by the affordable housing and the community-oriented environment.

County snapshot

Market context.

MS

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

Market areaJacksonMapped market area
Area code27140CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Holmes County

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

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