MS mortgage rates

Lawrence County

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

Lawrence 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 Lawrence 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 Lawrence

A local view of the market.

The real estate market in Lawrence County, Mississippi, has seen some fluctuations recently. As of October 2024, the median listing home price in the county was $145,000, reflecting a 7.4% increase year-over-year. However, the average home value according to Zillow is slightly lower at $114,877, which marks a decrease of 4.4% over the past year. The top cities in Lawrence County include Monticello, Jayess, and Silver Creek. Monticello is the most affordable city with a median listing home price of $124,900, while Jayess is the most expensive with a median price of $164,900. These cities are small, with populations typically under 2,000, reflecting the county's rural nature. Living in Lawrence County offers a predominantly rural lifestyle, with a mix of agriculture and suburban life. The county's economy is supported by industries such as farming and timber, which attract individuals looking for a quieter, rural setting. Migration patterns suggest that people may be moving to Lawrence County for its affordable housing and the appeal of a rural lifestyle, away from the hustle and bustle of urban areas.

Questions & Answers

Refinancing in Lawrence County

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

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