MS mortgage rates

Itawamba County

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

Itawamba 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 Itawamba 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 Itawamba

A local view of the market.

The real estate market in Itawamba County, Mississippi, has seen some fluctuations in recent times. As of October 2024, the median listing home price was approximately $229,900, marking a 1.3% increase from the previous year. However, the average home value was reported at $150,396, reflecting a 1.7% rise over the past year. In contrast, the median sale price in September 2024 was $146,000, which is an 8.6% decrease compared to the previous year. Itawamba County is home to several small cities, with Fulton being the largest. Fulton has a population of approximately 3,882 residents, making it the county's most populous city. Other notable cities include Mantachie, with a population of around 1,144, and Tremont, which has about 460 residents. These cities contribute to the county's overall rural and suburban mix, offering a variety of living environments. Living in Itawamba County offers a blend of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county is characterized by its agricultural landscapes and small-town charm, attracting those seeking a quieter, more rural lifestyle. The top industries in the area include agriculture, manufacturing, and education. Real estate migration patterns suggest that people are moving to Itawamba County for its affordable housing and the appeal of a rural lifestyle, away from 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 areaTupeloMapped market area
Area code46180CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Itawamba County

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

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