MS mortgage rates

Winston County

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

Winston 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 Winston 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 Winston

A local view of the market.

The real estate market in Winston County, Mississippi, has seen significant changes recently. As of October 2024, the median listing home price in the county was $175,000, reflecting a 40% increase year-over-year. This upward trend indicates a growing demand for properties in the area, with the median price per square foot being $94. Winston County comprises two main cities: Louisville and Noxapater. Louisville, the county seat, is the largest city, offering a variety of amenities and services to its residents. Noxapater, though smaller, provides a more rural lifestyle with a close-knit community feel. Both cities contribute to the county's overall population and economic activities. Living in Winston County offers a blend of rural and suburban experiences. The area is characterized by its agricultural roots, with farming and related industries playing a significant role in the local economy. The county's rural charm attracts those seeking a quieter lifestyle away from urban centers, while its proximity to larger cities provides access to broader employment opportunities. Migration patterns suggest that people are moving to Winston County for its affordable housing, community-oriented living, and the appeal of a rural lifestyle combined with suburban conveniences.

Questions & Answers

Refinancing in Winston County

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

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