MS mortgage rates

Lincoln County

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

Lincoln 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 Lincoln 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 Lincoln

A local view of the market.

In Lincoln County, Mississippi, the real estate market is experiencing an upward trend. As of October 2024, the median listing home price was $207,500, reflecting a 15.3% increase year-over-year. The median sold home price was slightly lower at $182,300, indicating a buyer's market where homes are selling close to the asking price. The county includes several cities, with Brookhaven being the largest and most notable. Brookhaven has a median listing home price of $217,000 and is a hub for the county's activities. Other cities like Bogue Chitto and Ruth also contribute to the local economy, though they are smaller in population and size compared to Brookhaven. Lincoln County offers a blend of rural and suburban living, with agriculture playing a significant role in the local economy. The area is characterized by its farming activities and a slower-paced lifestyle, attracting those looking to escape urban congestion. The top industries include agriculture, manufacturing, and retail, with many residents moving to the county for its affordable housing and community-oriented environment.

County snapshot

Market context.

MS

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

Market areaBrookhavenMapped market area
Area code15020CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Lincoln County

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

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