MS mortgage rates

Wayne County

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

Wayne 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 Wayne 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 Wayne

A local view of the market.

Wayne County, Mississippi, has experienced significant fluctuations in its real estate market. As of August 2024, the median sale price for homes was $102,500, reflecting a 10.8% decrease from the previous year and a substantial 63.4% drop from the previous month. The market has seen an increase in activity, with four homes sold in August 2024, a 300% rise from the previous month. The county includes several notable cities, with Waynesboro being the largest. Waynesboro has a population of approximately 4,000 residents and serves as the county seat. Other smaller communities include Buckatunna and State Line, which contribute to the rural character of the county. Living in Wayne County offers a predominantly rural lifestyle, with agriculture playing a significant role in the local economy. The area is characterized by its open spaces and farming communities, providing a contrast to suburban life. The top industries include agriculture and forestry, which attract individuals seeking a quieter, more nature-oriented lifestyle. Migration patterns suggest that people move to Wayne County for its affordable housing and the appeal of rural living.

Questions & Answers

Refinancing in Wayne County

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

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