MS mortgage rates

Kemper County

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

Kemper 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 Kemper 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 Kemper

A local view of the market.

The real estate market in Kemper County, Mississippi, is characterized by affordable housing options, with a median listing home price of approximately $113,300 as of October 2024. The median price per square foot stands at $92, indicating a market that offers value for buyers seeking cost-effective housing solutions. Kemper County comprises several small towns, with De Kalb being one of the most notable. De Kalb serves as the county seat and is a central hub for the area's activities. Other towns include Scooba, known for its small community feel, and Preston, which offers a rural lifestyle. These towns contribute to the county's overall population, which remains relatively low, supporting a close-knit community atmosphere. Living in Kemper County offers a predominantly rural experience, with a landscape that supports agriculture and farming as key industries. The county's economy is largely driven by these sectors, alongside education and local services. The rural setting attracts individuals seeking a quieter lifestyle away from urban centers, with many moving to the area for its agricultural opportunities and the appeal of a simpler, more community-oriented way of life.

County snapshot

Market context.

MS

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

Market areaMeridianMapped market area
Area code32940CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Kemper County

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

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