MS mortgage rates

Oktibbeha County

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

Oktibbeha 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 Oktibbeha 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 Oktibbeha

A local view of the market.

The real estate market in Oktibbeha County, Mississippi, is currently characterized by a median listing home price of $179,900 as of October 2024, with a price per square foot of $142. The market has seen a slight decrease in the number of homes for sale, with 14 homes available, indicating a 6.7% decrease compared to the previous month. The average listing age has increased to 137 days, reflecting a slower market pace. Oktibbeha County includes several notable cities, with Starkville being the largest and most prominent, known for its population and as the home of Mississippi State University. Other significant towns in the county include Sturgis, Maben, and Longview, each contributing to the county's diverse community and economic activities. Living in Oktibbeha County offers a mix of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The presence of Mississippi State University in Starkville also influences the county's economic and cultural landscape, attracting students and professionals, which contributes to real estate migration patterns. The county's top industries include education, agriculture, and retail, making it an attractive location for those seeking a balance between rural charm and suburban convenience.

County snapshot

Market context.

MS

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

Market areaStarkvilleMapped market area
Area code44260CBSA / MSA reference
Featured communityStarkvilleFrom the county record
Data year2026Aligned with this limit record
Starkville
Top cities & communities

Communities to explore.

Starkville
Questions & Answers

Refinancing in Oktibbeha County

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

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