Housing decision brief
Pontotoc County, MS Housing Market
Pontotoc County screens as a higher purchase price, rent that needs comparison, 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.
61st lowest home value out of 82 Mississippi counties with data | 58th lowest rent out of 82
Median home value
$141,700
Purchase-price signal from Census ACS.
Median rent
$848/mo
Gross rent, including utilities where reported.
Monthly owner cost
$629/mo
Owner costs before individual loan terms.
Decision snapshot
Read this county in four signals.
Buy screen
2.7x
Median home value divided by local household income.
Rent burden
26.0%
Below 30% usually screens as less pressured.
Rent vs own
$219/mo
Median owner cost screens below median rent.
Data confidence
1 note
Crime coverage is partial, so safety comparisons need source context.
What Works
Rent burden below pressure line
26.00% of renter income goes to rent, below the 30% burden threshold.
Owning screens cheaper than renting
Median owner costs are $219/mo below median rent before individual mortgage terms.
What to Check
Water quality cross-check
Water quality grade is D. Review water data before treating housing cost as the full story.
Health context
Health score is 24.5 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.
Best Fit For
- Buyers comparing homes to local incomes
- Households weighing ownership against renting
Poor Fit For
- Buyers who will not investigate local water systems before moving
- 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 Pontotoc 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. | $141,700 | $114,900 | $281,900 | 23% pressure23% above Mississippi county median |
Median gross rent Lower usually helps affordability. | $848 | $756 | $1,163 | 12% pressure12% above Mississippi county median |
Monthly owner cost Lower usually helps affordability. | $629 | $615 | $1,672 | Near state median2% above Mississippi county median |
Median household income | $52,741 | $48,207 | $74,755 | 9% favorable9% above Mississippi county median |
Effective property-tax rate Lower usually helps affordability. | 0.66% | 1.00% | 1.02% | 34% favorable34% below Mississippi county median |
Rent burden Lower usually helps affordability. | 26.00% | 29.00% | N/A | 10% favorable26.00% 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
+$18,821
Median income minus rent threshold.
Owner cushion
+$25,784
Median income minus owner-cost threshold.
Affordability Advisory
This turns the raw housing numbers into income and buy-versus-rent screens.
Affordability verdict
Pontotoc County is affordable for renters, with a median gross rent of $848/month representing approximately 19.3% of median household income. The rent burden (GRAPI) stands at 26.0%.
Rent vs own
Renters in Pontotoc County pay $848/month on average, compared to $629/month for homeowners. This market favors buyers by about 26%.
Income needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $33,920/year. For owner costs at the 28% rule, the required income is roughly $26,957/year. With a median household income of $52,741, most households can comfortably afford rent here. Notably, 26.0% of renter households in Pontotoc County are cost-burdened, spending more than 30% of income on housing.
Regional context
Compared to Lowndes County where rent averages $909/month, Pontotoc County is approximately 7% less expensive.
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 |
|---|---|---|---|
| Warren County, MS | $144,400 | $889/mo | Same-state comparison near $144,400 home value and $889/mo rent. |
| Jones County, MS | $126,800 | $810/mo | Same-state comparison near $126,800 home value and $810/mo rent. |
| Forrest County, MS | $152,900 | $960/mo | Same-state comparison near $152,900 home value and $960/mo rent. |
| Lowndes County, MS | $157,400 | $909/mo | Same-state comparison near $157,400 home value and $909/mo rent. |
| George County, MS | $168,100 | $868/mo | Same-state comparison near $168,100 home value and $868/mo rent. |
Data Confidence
- Crime coverage is partial, so safety comparisons need source context.
Next Checks
Housing Questions for Pontotoc County
Is Pontotoc County affordable for buying a home?
Is renting or owning cheaper in Pontotoc County?
How much income do you need for housing in Pontotoc County?
What should I double-check before moving to Pontotoc County?
Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.