Loan Limits / Mississippi / Forrest County
2026 Loan Limits · Mississippi · HATTIESBURG, MS
Forrest County, MS.
2026 conforming and FHA loan limits, calibrated to a median sales price of $271,000.
Median Sales Price
$271,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$541,287
Floor
Jumbo Threshold
> $832,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
Standard conforming| 1-unit (single-family) | $832,750 |
| 2-unit (duplex) | $1,066,250 |
| 3-unit (triplex) | $1,288,800 |
| 4-unit (fourplex) | $1,601,750 |
FHA Forward (203b)
Floor| 1-unit (single-family) | $541,287 |
| 2-unit (duplex) | $693,050 |
| 3-unit (triplex) | $837,700 |
| 4-unit (fourplex) | $1,041,125 |
About this county
About Forrest County
Forrest County is a county located in the U.S. state of Mississippi. As of the 2020 census, the population was 78,158. Its county seat and largest city is Hattiesburg. The county was created from Perry County in 1908 and named in honor of Nathan Bedford Forrest, a Confederate general in the American Civil War and the first Grand Wizard of the Ku Klux Klan. Forrest County is part of the Hattiesburg, MS Metropolitan Statistical Area. Read more on Wikipedia →
Population
78,027
U.S. Census ACS 2023
Median Household Income
$52,821
U.S. Census ACS 2023
Median Home Value (Census)
$152,900
Owner-occupied · ACS 2023
Owner-Occupancy Rate
57%
Of occupied housing
What these limits mean for buyers in Forrest County
The 2026 conforming 1-unit limit for Forrest County is $832,750. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. Forrest County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $541,287. The HUD CHUMS table pegs the median sales price for Forrest County at $271,000. This matches the FHA national floor — Forrest County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Forrest County ($271,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
Forrest County 2-, 3-, and 4-unit conforming limits are $1,066,250, $1,288,800, and $1,601,750 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in Forrest County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.