MS mortgage rates

Humphreys County

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

Humphreys 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 Humphreys 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 Humphreys

A local view of the market.

The real estate market in Humphreys County, Mississippi, has seen a significant increase in home values over the past year. As of October 2024, the median home list price is $107,500, which represents a 48.4% increase from the previous year. The average price per square foot is $62, indicating a robust growth trend in the local housing market. Humphreys County includes several notable cities, with Belzoni being the largest. Belzoni is known as the "Catfish Capital of the World" and has a population of approximately 2,123 residents. Another key city is Isola, which is smaller but contributes to the county's overall character and economy. Living in Humphreys County offers a predominantly rural lifestyle, with agriculture being a major industry, particularly catfish farming. The county's economy is supported by agriculture and related industries, attracting individuals seeking a quieter, more rural lifestyle. The area appeals to those interested in farming and agricultural opportunities, contributing to a steady migration of people looking for affordable land and a slower pace of life.

Questions & Answers

Refinancing in Humphreys County

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

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