MS mortgage rates

Jackson County

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

Jackson 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 Jackson 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 Jackson

A local view of the market.

The real estate market in Jackson County, Mississippi, has shown a positive trend, with the average home value currently at $203,022, reflecting a 2.7% increase over the past year. Homes in this area typically go to pending status in about 38 days, indicating a relatively active market. Jackson County is home to several notable cities, including Pascagoula, which serves as the county seat and has a population of approximately 22,000 residents. Another significant city is Ocean Springs, known for its vibrant arts community and historic downtown, with a population of around 18,000 people. Living in Jackson County offers a mix of rural and suburban experiences. The area is characterized by its coastal and agricultural landscapes, providing opportunities for both farming and suburban living. The top industries in the county include shipbuilding, manufacturing, and healthcare, which attract a diverse workforce. The county's coastal location and economic opportunities contribute to its appeal, drawing people who seek a balance of work and lifestyle.

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 communityPascagoulaFrom the county record
Data year2026Aligned with this limit record
Pascagoula
Top cities & communities

Communities to explore.

Pascagoula
Questions & Answers

Refinancing in Jackson County

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

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