MS mortgage rates

Monroe County

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

Monroe 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 Monroe 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 Monroe

A local view of the market.

Monroe County, Mississippi, has seen a dynamic real estate market with the median home value at $197,000 as of October 2024, marking a significant increase of 21.6% over the past year. However, according to Zillow, the average home value is reported to be $142,819, which has decreased by 4.3% over the past year. The county is home to several notable cities, including Aberdeen, Amory, and Nettleton. Aberdeen serves as the county seat and is known for its historical significance. Amory, the largest city, offers a vibrant community with a population of approximately 7,000 residents. Nettleton, partially located in Lee County, adds to the diversity of the region's urban landscape. Living in Monroe County offers a mix of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county's fertile soil supports a variety of crops, including corn, cotton, and alfalfa. The presence of industries such as mining and agriculture attracts residents seeking employment opportunities and a quieter lifestyle. The area's natural beauty and community-oriented living make it an appealing destination for those looking to relocate.

Questions & Answers

Refinancing in Monroe County

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

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