MS mortgage rates

Newton County

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

Newton 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 Newton 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 Newton

A local view of the market.

Newton County, Mississippi, has a dynamic real estate market with a median listing home price of $172,000 as of October 2024, reflecting an 8.2% increase from the previous year. This upward trend indicates a growing interest in the area, making it an attractive option for potential homebuyers. The top cities in Newton County include Newton, with a population of approximately 3,187, making it the largest city in the county. Union follows with a population of around 2,039, and Decatur, the county seat, has about 1,941 residents. Living in Newton County offers a mix of rural and suburban experiences, with agriculture and manufacturing being the predominant industries. The county's rural charm, combined with its suburban conveniences, attracts those seeking a quieter lifestyle. The area is seeing migration patterns influenced by its affordable housing and employment opportunities in sectors like manufacturing and healthcare.

Questions & Answers

Refinancing in Newton County

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

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