MS mortgage rates

Pearl River County

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

Pearl River 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 Pearl River 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 Pearl River

A local view of the market.

The real estate market in Pearl River County, Mississippi, has seen significant changes recently. As of October 2024, the median home sold price was $405,000, reflecting a substantial increase of 47.3% from the previous month. The median listing home price was $290,000, trending up 11.6% year-over-year. Additionally, the average home value in the county is $216,765, up 5.0% over the past year. Pearl River County comprises several notable cities, with Picayune being the largest. Picayune has a median listing home price of $254,900 and is known for its affordable two-bedroom homes and quick turnover. Other significant cities include Carriere, with a median listing home price of $349,000, and Poplarville, with a median listing home price of $290,000. Living in Pearl River County offers a mix of rural and suburban experiences. The county is characterized by its agricultural roots, with many residents engaged in farming and related industries. The area provides a peaceful, rural lifestyle with the convenience of suburban amenities. The top industries include agriculture, manufacturing, and retail trade, attracting people seeking a quieter lifestyle with access to natural beauty and community-oriented living. Migration patterns suggest that people are moving to the county for its affordability, slower pace of life, and proximity to larger cities for work and leisure.

County snapshot

Market context.

MS

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

Market areaPicayuneMapped market area
Area code38100CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Pearl River County

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

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