Housing decision brief
Kemper County, MS Housing Market
Kemper County screens as a below-state purchase price, below-state rent, a manageable tax-rate signal market. Use the page as a decision brief, not just a price lookup, because local income, taxes, and data confidence change how affordable the county really is.
15th lowest home value out of 82 Mississippi counties with data | 19th lowest rent out of 82
Median home value
$99,600
Purchase-price signal from Census ACS.
Median rent
$677/mo
Gross rent, including utilities where reported.
Monthly owner cost
$581/mo
Owner costs before individual loan terms.
Decision snapshot
Read this county in four signals.
Buy screen
2.1x
Median home value divided by local household income.
Rent burden
14.6%
Below 30% usually screens as less pressured.
Rent vs own
$96/mo
Median owner cost screens below median rent.
Data confidence
2 notes
Home-value estimate has a $21,335 ACS margin of error.
What Works
Lower purchase price
$99,600 median home value is 19% below Mississippi county median
Lower rent
$677/mo is 13% below Mississippi county median
Rent burden below pressure line
14.60% of renter income goes to rent, below the 30% burden threshold.
Owning screens cheaper than renting
Median owner costs are $96/mo below median rent before individual mortgage terms.
Low disaster-risk signal
Risk score is 85.1 out of 100, a stronger cross-check for long-term ownership costs.
What to Check
Lower income base
$46,431 median income is 6% below Mississippi county median
Health context
Health score is 32.6 out of 100, so affordability should be weighed against local health indicators.
Crime data coverage
Crime data coverage is partial. Treat zero or low crime rates as incomplete until you check the source coverage.
Wide home-value margin
The ACS margin of error on home value is $21,335, so exact rankings should be read as directional.
Best Fit For
- Buyers comparing homes to local incomes
- Renters trying to keep rent below the burden threshold
- Households weighing ownership against renting
- Long-term owners who care about disaster-risk exposure
Poor Fit For
- Households dependent on a deep local wage market
- Anyone treating reported crime rates as complete without source context
County vs State vs National
The county number only matters after you see the benchmark. These comparisons show where Kemper County is genuinely cheap, where it is average, and where the hidden cost may be.
| Metric | County | State | U.S. | Signal |
|---|---|---|---|---|
Median home value Lower usually helps affordability. | $99,600 | $122,250 | $281,900 | 19% favorable19% below Mississippi county median |
Median gross rent Lower usually helps affordability. | $677 | $776 | $1,163 | 13% favorable13% below Mississippi county median |
Monthly owner cost Lower usually helps affordability. | $581 | $635 | $1,672 | 9% favorable9% below Mississippi county median |
Median household income | $46,431 | $49,518 | $74,755 | 6% pressure6% below Mississippi county median |
Effective property-tax rate Lower usually helps affordability. | 0.57% | 0.69% | 1.02% | 19% favorable19% below Mississippi county median |
Rent burden Lower usually helps affordability. | 14.60% | 29.00% | N/A | 50% favorable14.60% of renter income goes to rent. |
Income Fit
A low price only helps if local income can carry the monthly cost. This panel compares the county income base with rent and owner-cost thresholds.
Rent cushion
+$19,351
Median income minus rent threshold.
Owner cushion
+$21,531
Median income minus owner-cost threshold.
Affordability Advisory
This turns the raw housing numbers into income and buy-versus-rent screens.
Affordability verdict
Kemper County is affordable for renters, with a median gross rent of $470/month representing approximately 12.9% of median household income. The rent burden (GRAPI) stands at 17.0%.
Rent vs own
Renters in Kemper County pay $470/month on average, compared to $571/month for homeowners. This market favors renters by about 18%.
Income needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $18,800/year. For owner costs at the 28% rule, the required income is roughly $24,471/year. With a median household income of $43,595, most households can comfortably afford rent here. Notably, 17.0% of renter households in Kemper County are cost-burdened, spending more than 30% of income on housing.
Regional context
Kemper County sits 20% less expensive than Holmes County ($589/month) in terms of median gross rent.
Better Counties to Compare
Similar counties are matched on home value, rent, income, and state context. This is more useful than a simple nearest-price list.
| County | Home Value | Rent | Why compare |
|---|---|---|---|
| Covington County, MS | $105,100 | $662/mo | Same-state comparison near $105,100 home value and $662/mo rent. |
| Benton County, MS | $105,100 | $731/mo | Same-state comparison near $105,100 home value and $731/mo rent. |
| Chickasaw County, MS | $109,800 | $670/mo | Same-state comparison near $109,800 home value and $670/mo rent. |
| Lawrence County, MS | $100,000 | $753/mo | Same-state comparison near $100,000 home value and $753/mo rent. |
| Sunflower County, MS | $100,300 | $694/mo | Same-state comparison near $100,300 home value and $694/mo rent. |
Data Confidence
- Home-value estimate has a $21,335 ACS margin of error.
- Crime coverage is partial, so safety comparisons need source context.
Next Checks
Housing Questions for Kemper County
Is Kemper County affordable for buying a home?
Is renting or owning cheaper in Kemper County?
How much income do you need for housing in Kemper County?
What should I double-check before moving to Kemper County?
Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.