How much house can I afford on $70,000 in Mississippi?
About $254,000 with 20% down ($202,000 with an FHA loan), using Mississippi's 0.65% property tax rate.
That is $59,829 more than the typical Mississippi home ($194,531), so a $70,000 salary can buy a typical home here. The payment of $1,633 covers $1,369 principal and interest, $137 property tax and $127 insurance.
Counties in Mississippi you can afford on $70,000
74 of 80 counties have a typical home value at or below $254,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Tate County | $248,358 | +4.9% | 0.65% |
| Hancock County | $236,201 | +0.8% | 0.71% |
| Harrison County | $229,862 | +2.8% | 0.65% |
| Marshall County | $216,006 | +0.4% | 0.72% |
| Jackson County | $214,695 | +0.4% | 0.71% |
| George County | $213,326 | +4.5% | 0.63% |
| Lee County | $212,212 | +6.1% | 0.69% |
| Pearl River County | $210,156 | +1.1% | 0.65% |
| Union County | $207,281 | +7.4% | 0.56% |
| Pontotoc County | $207,261 | +7.8% | 0.58% |
| Stone County | $204,922 | +7.8% | 0.7% |
| Lowndes County | $187,535 | +3.4% | 0.6% |
| Tishomingo County | $186,187 | -4.1% | 0.49% |
| Panola County | $185,775 | +1.9% | 0.65% |
| Forrest County | $181,503 | +0.7% | 0.81% |
| Alcorn County | $179,058 | +7.0% | 0.58% |
| Covington County | $176,068 | +13.5% | 0.59% |
| Carroll County | $175,987 | -6.7% | 0.53% |
| Webster County | $171,919 | +1.2% | 0.68% |
| Lincoln County | $167,175 | +1.5% | 0.7% |
| Monroe County | $164,938 | +0.9% | 0.7% |
| Leake County | $163,401 | +7.0% | 0.67% |
| Smith County | $162,160 | -3.1% | 0.42% |
| Clay County | $162,116 | +5.2% | 0.63% |
| Perry County | $161,668 | +15.4% | 0.62% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 0.65% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Mississippi
Frequently asked questions
How much house can I afford on $70,000 in Mississippi?
About $254,000 with 20% down at 7.11%, keeping the payment (with Mississippi's 0.65% property tax and insurance) under $1,633 a month.
Is $70,000 enough to buy a house in Mississippi?
Yes: the typical Mississippi home is worth $194,531 (Zillow, September 2026) and $70,000 supports about $254,000. 74 of 80 counties are within budget.