As of 2026, the FHA loan limits in the Starkville area of Oktibbeha, MS are set at $472,030 for a single-family home. For two-unit homes, the limit is $604,400; for three units, it's $730,525; and for four-unit residences, it's $907,900.
Conventional loan limits for a single-family home are $726,200. For two units, the maximum is $929,850; for three units, it's $1,123,900; and for four units, it reaches $1,396,800.
Use our FHA calculator to discover the best FHA rates today and determine the required downpayment, income criteria, credit score, reserves, and necessary documents to qualify.
The Lendersa® calculator allows you to weigh FHA rates and terms against all other loan programs. Delve into options like Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® sources loan data from thousands of lenders and instantly analyzes it against your specific financial profile and needs.
In 2026, the Loan Limits Comparison Table for Starkville, Oktibbeha, MS covers FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money limits. For evaluating qualifications—including income, reserves, and credit—use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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