MS mortgage rates

Rankin County

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

Rankin 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 Rankin 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 Rankin

A local view of the market.

The real estate market in Rankin County, Mississippi, has shown a steady increase in home values. As of October 2024, the median home list price was $279,406, reflecting a 3.5% increase from the previous year. The median price per square foot was $158, indicating a healthy demand for housing in the area. Rankin County is home to several prominent cities, with Pearl being the most populous, boasting a population of approximately 28,445. Brandon follows closely with a population of 25,902, while Flowood and Richland have populations of 10,820 and 7,484, respectively. Living in Rankin County offers a blend of suburban and rural lifestyles, appealing to those seeking proximity to nature and urban amenities. The county's economy is supported by industries such as healthcare and retail trade, providing ample employment opportunities. Migration patterns suggest that people are attracted to Rankin County for its quality of life, affordable housing, and access to outdoor recreational activities, making it a desirable location for families and professionals.

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 communitiesBrandon · PearlFrom the county record
Data year2026Aligned with this limit record
BrandonPearl
Top cities & communities

Communities to explore.

BrandonPearl
Questions & Answers

Refinancing in Rankin County

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

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