MS mortgage rates

Scott County

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

Scott 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 Scott 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 Scott

A local view of the market.

Scott County, Mississippi, has a dynamic real estate market with an average home value of approximately $111,087, reflecting a 3.1% increase over the past year. This growth indicates a steady demand for housing in the area, making it an attractive option for potential homebuyers looking for affordable real estate opportunities. The county's top cities include Forest, with a population of about 5,422, and Morton, which has around 3,707 residents. These cities serve as central hubs within the county, offering a blend of residential and commercial areas that cater to the needs of their populations. Living in Scott County offers a predominantly rural experience, with agriculture playing a significant role in the local economy. The poultry industry is particularly prominent, providing numerous employment opportunities. The county's rural charm, combined with its agricultural base, attracts individuals seeking a quieter lifestyle away from urban centers. This migration pattern is often driven by the desire for affordable living, open spaces, and a strong sense of community.

Questions & Answers

Refinancing in Scott County

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

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