Income limits · Mississippi
Income limits and price caps in Mississippi
31 Mississippi programs publish an income limit, a price cap, or both.31 Mississippi programs publish an income limit, a purchase price cap, or both. Here is how to read one.
- 01HUD sets the median
Each year, for every county, quoted for a household of four.Each year HUD publishes the area median income for every county, quoted for a household of four.
- 02The program picks a share
Up to that share of the median for the county where the home is.A limit written as a share of area median income means up to that share of the median for the county where the home is.
- 03The agency publishes the dollars
Adjusted for household size, in the program’s own table. That table is the one that counts.The program adjusts its limit for household size and county, and publishes its own table. That table is the one that counts.
Area median income by county
Find your county’s median
HUD’s four-person figure. Programs adjust it for household size.HUD’s four-person figure for the county where the home is. A program applies its percentage to this number, adjusted for household size by the program.
HUD FY2026 Income Limits, median family income for a four-person household. Program counts: programs whose record names the county, Hey Prescott, verified June–July 2026. Statewide programs apply too.
How programs set their limits
The percentage each program publishesThe percentage each Mississippi program publishes
Grouped by the limit in each program’s own record.Grouped by the limit written in the program’s own record. A program may also set lower tiers inside its limit; the program page has the details.
Up to 120% AMI
2 programsUp to 60% AMI
1 programUp to 100% AMI
1 programUp to 115% AMI
1 programOther limits
- 165% AMI · 1
- No percentage published · 16
Each sets its limit another way: a dollar figure, the agency’s own words, or a price cap only.
All 16 →
- Columbus-Lowndes Habitat for Humanity Homeownership Program
- Easy8
- Habitat for Humanity Mississippi Capital Area Homeownership Program
- Habitat for Humanity of Lauderdale County Homeownership Program
- Hernando DeSoto Habitat for Humanity Homeownership Program
- Housing Assistance for Teachers (HAT)
- Housing Authority of Jackson County HCV Homeownership Program
- HUD Section 184 Indian Home Loan Guarantee Program — Mississippi
- Jackson Housing Authority HCV Homeownership Program
- JustRate
- Mississippi Regional Housing Authority IV HCV Homeownership Program
- Mortgage Credit Certificate (MCC) Program
- Smart7
- Starkville Area Habitat for Humanity Homeownership Program
- Trusty 10 Plus 2
- Trusty10
Limits as written in each program record, Hey Prescott, verified June–July 2026. Confirm current limits with the administering agency.
Purchase price caps
7 programs also cap the home’s price7 programs also cap the price of the home
The highest price the program accepts, as it publishes it.The cap is the highest purchase price the program accepts, as the program publishes it.
- HOPE Credit Union Affordable Housing Program120% AMI$425,000
- Smart7Statewide$398,310
- Easy8Statewide$380,640
- Trusty10Statewide$380,640
- Mortgage Credit Certificate (MCC) Program$332,000
- City of Jackson Homebuyer Assistance ProgramHinds · 80% AMI$156,000
All 7 price caps →
- Homebuyer Assistance Program$156,000
Sorted by cap. Caps as published by each agency, Hey Prescott program records, verified June–July 2026.
Not sure where your income lands?
24 HUD-approved counseling agencies in Mississippi24 HUD-approved housing counseling agencies in Mississippi
A counselor can walk through a program’s own income table with you, for free.A counselor can walk through a program’s own income table with you, for free. Create an account, take the 90-second match, and we’ll show the counselors near you.
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Questions, answered
What are the income limits for down payment assistance in Mississippi?
31 down payment assistance programs in Mississippi publish an income limit, a purchase price cap, or both. 15 express the limit as a share of the area median income for the county where the home is, and 8 publish a flat dollar figure instead.
Why does the same program have different income limits in different counties?
Because most limits are set as a share of area median income, which HUD publishes per county and revises annually. A program with one published share therefore admits a different dollar figure in each county, and the program adjusts that figure for household size in its own table.
Is a published limit the same as being approved?
No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.
Sources
- U.S. Department of Housing and Urban Development, FY2026 Income Limits: median family income, four-person household, by county. HUD’s own household-size tables →
- Program limits and price caps: each administering agency, as recorded by Hey Prescott, verified June–July 2026.
- HUD-approved housing counseling agencies: HUD agency list.