MS mortgage rates

Lowndes County

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

Lowndes 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 Lowndes 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 Lowndes

A local view of the market.

The real estate market in Lowndes County, Mississippi, has seen some fluctuations in 2024. The median listing home price was $235,000 in October 2024, showing a slight decrease of 1.7% compared to the previous year. Meanwhile, the average home value in the county is $170,179, reflecting a 4.1% increase over the past year. Columbus, the largest city in Lowndes County, has a median listing home price of $224,300. Other notable cities include Caledonia, with a median listing price of $322,200, and Steens, with a median price of $315,000. These cities offer a range of housing options and community amenities. Lowndes County offers a mix of rural and suburban living, with agriculture playing a significant role in the local economy. The county is known for its farming and agricultural activities, which contribute to its rural charm. Suburban life is also prominent, particularly in areas closer to Columbus. The top industries in the county include manufacturing, education, and healthcare, attracting people seeking employment opportunities. Additionally, the county's affordable housing market and community-oriented lifestyle make it an appealing destination for those looking to relocate.

County snapshot

Market context.

MS

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

Market areaColumbusMapped market area
Area code18060CBSA / MSA reference
Featured communityColumbusFrom the county record
Data year2026Aligned with this limit record
Columbus
Top cities & communities

Communities to explore.

Columbus
Questions & Answers

Refinancing in Lowndes County

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

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