Data through September 2026 · updated 2026-11-08 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$207,261+7.8% YoY · prices are rising fast
Market right nowBalanced, leaning buyersMore homes for sale than last year, 23% have cut their price
Income needed to buy, per year$44,930About 0.8× the local median income ($59,898): affordable for a typical household
Days on market58 daysAbout the same pace as a year ago
The typical home in Pontotoc County, MS is worth $207,261, up 7.8% from a year ago. That is slightly below what local incomes have historically supported: fair value is about $217,126, so the area is 4.5% undervalued. It is a balanced market, leaning toward buyers: homes take about 58 days to sell, listings are up 36% from a year ago, 23% of listings have had a price cut. A household needs about $44,930 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $59,898. In the latest IRS figures, 20 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$207,261
Change in 1 year
+7.8%
Overvalued %
−4.5%
Show 6 more
Fair home value
$217,126
Change in 5 years
+12.9%
Home value to income
3.5×
Monthly mortgage payment (20% down)
$1,123
Income needed to afford it
$44,930
Property tax rate
0.58%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$923
Market activity
Listings vs a year ago
+36.5%
Days on market
58
Listings with a price cut
23.3%
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Homes for sale
71
Pending sales per 100 listings
30
Asking price per sq ft
$151
People and jobs
Median household income
$59,898
Population change (1 year)
+0.3%
Unemployment rate
3.1%
Show 4 more
Population
32,096
Income adjusted for cost of living
$71,648
Net moves in (IRS)
+20
Cost of living (US = 100)
83.6
Schools, risk and environment
School rating (1 to 10)
7.5
FEMA hazard risk score (0 to 100)
50.1
Flood risk score
35.8
Show 3 more
Wildfire risk score
45.4
Walkability (1 to 20)
3.9
Road, rail and air noise
54 dB
Questions people ask
Is Pontotoc County, MS overvalued?
Home prices in Pontotoc County, MS are slightly below what local incomes have historically supported: fair value is about $217,126, so the area is 4.5% undervalued.
Is Pontotoc County, MS a buyer's or seller's market?
Pontotoc County, MS is a balanced market, leaning toward buyers: homes take about 58 days to sell, listings are up 36% from a year ago, 23% of listings have had a price cut.
Are home prices going down in Pontotoc County, MS?
Home values in Pontotoc County, MS are up 7.8% over the last year.
How much do you need to earn to buy a home in Pontotoc County, MS?
A household needs about $44,930 a year to afford the typical home in Pontotoc County, MS at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $59,898.