MS mortgage rates

Jones County

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

Jones 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 Jones 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 Jones

A local view of the market.

Jones County, Mississippi, presents a dynamic real estate market with an average home value of approximately $147,566, which has seen a slight decline of 1.0% over the past year. Homes in this area typically go to pending status within about 27 days, indicating a relatively active market. The county is home to several notable cities, with Laurel being the largest, boasting a population of 17,150. Ellisville follows with a population of 4,637, and other smaller towns include Sandersville and Soso, with populations of 635 and 409, respectively. Jones County offers a blend of rural and suburban living, with a strong emphasis on agriculture and timber as key economic drivers. The local economy is also supported by manufacturing and the service sector. Many residents are drawn to the area for its affordable living and the opportunity to enjoy a quieter, rural lifestyle while still having access to suburban amenities. This combination of factors contributes to a steady influx of people seeking a balance between rural charm and suburban convenience.

County snapshot

Market context.

MS

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

Market areaLaurelMapped market area
Area code29860CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Jones County

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

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