MS mortgage rates

Union County

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

Union 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 Union 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 Union

A local view of the market.

Union County, Mississippi, has a dynamic real estate market with an average home value of approximately $178,944, reflecting a modest increase of 0.7% over the past year. This indicates a stable market environment, appealing to potential homebuyers looking for affordable housing options. The county is home to several notable cities, including New Albany, which serves as the county seat and has a population of around 8,000 residents. Other significant areas include Myrtle and Blue Springs, each contributing to the county's overall population and economic activities. Union County offers a blend of rural and suburban living, with agriculture playing a crucial role in its economy. The area is known for its farming and agricultural activities, providing a serene environment for those seeking a quieter lifestyle. The top industries include manufacturing and retail, attracting people who appreciate the balance between rural charm and suburban convenience. Migration patterns suggest that individuals move to Union County for its affordable housing, community-oriented lifestyle, and employment opportunities.

Questions & Answers

Refinancing in Union County

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

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