MS mortgage rates

Madison County

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

Madison 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 Madison 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 Madison

A local view of the market.

Madison County, Mississippi's real estate market has seen a notable increase in home values over the past year. As of October 2024, the median home list price in the county was $359,931, reflecting a 5.2% increase from the previous year. The median price per square foot was $176, indicating a steady demand for housing in the area. The county is home to several prominent cities, including Madison, Ridgeland, and Canton. Madison is known for its affluent neighborhoods and has a population of approximately 25,000 residents. Ridgeland, with a population of around 24,000, offers a mix of suburban and urban living, while Canton, with about 13,000 residents, is noted for its historical significance and vibrant community events. Living in Madison County offers a blend of suburban and rural experiences, with a strong emphasis on community and family life. The county's economy is supported by industries such as healthcare, education, and manufacturing, providing diverse employment opportunities. The area's suburban appeal, coupled with its quality schools and amenities, attracts families and professionals seeking a balanced lifestyle. Additionally, the county's proximity to Jackson, the state capital, makes it an attractive location for those looking to enjoy suburban tranquility while having access to urban conveniences.

County snapshot

Market context.

MS

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

Market areaJacksonMapped market area
Area code27140CBSA / MSA reference
Featured communitiesRidgeland · MadisonFrom the county record
Data year2026Aligned with this limit record
RidgelandMadison
Top cities & communities

Communities to explore.

RidgelandMadison
Questions & Answers

Refinancing in Madison County

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

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