Loan Limits / Mississippi / Jefferson County
2026 Loan Limits · Mississippi · NATCHEZ, MS-LA
Jefferson County, MS.
2026 conforming and FHA loan limits, calibrated to a median sales price of $137,000.
Median Sales Price
$137,000
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 Jefferson County
Jefferson County is a county located in the U.S. state of Mississippi; its western border is formed by the Mississippi River. As of the 2020 census, the population was 7,260, making it the fourth-least populous county in Mississippi. Until 1825, its first county seat was located at Old Greenville, which no longer exists, before moving to Fayette. The county is named for U.S. President Thomas Jefferson. One of the first of two counties organized in the Mississippi Territory in 1798 along with Adams County, it was first named Pickering County and included what would become Claiborne County. Originally developed as cotton plantations in the antebellum era, the rural county has struggled with a declining economy and reduced population since the mechanization of agriculture and urbanization of other areas. In 2020, its population of 7,260 was roughly one-third of the population peak in 1900. Within the United States, in 2009 rural Jefferson County had the highest percentage of African-Americans of any county. It was the fourth-poorest county in the nation. Read more on Wikipedia →
Population
7,127
U.S. Census ACS 2023
Median Household Income
$36,207
U.S. Census ACS 2023
Median Home Value (Census)
$81,400
Owner-occupied · ACS 2023
Owner-Occupancy Rate
79%
Of occupied housing
What these limits mean for buyers in Jefferson County
The 2026 conforming 1-unit limit for Jefferson 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. Jefferson 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 Jefferson County at $137,000. This matches the FHA national floor — Jefferson County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Jefferson County ($137,000) 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
Jefferson 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 Jefferson County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.