Pontotoc County, Mississippi home prices
Typical home $207,261 · +7.8% in a year · property tax 0.58%
The typical home in Pontotoc County is worth $207,261, 7% more than the Mississippi typical home ($194,531). Values changed +7.8% in the past year and +12.9% over five years. Homeowners here pay a median 0.58% of their home's value in property tax each year ($1,202 on the typical home), versus 0.65% statewide.
Mortgage on the typical Pontotoc County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $41,452 | $165,809 | $1,115 | $0 | $204 | $1,319 | $56,500 |
| 10% down | $20,726 | $186,535 | $1,255 | $78 | $204 | $1,536 | $65,800 |
| 5% down | $10,363 | $196,898 | $1,325 | $82 | $204 | $1,610 | $69,000 |
| 3.5% down (FHA) | $7,254 | $203,507 | $1,369 | $92 | $204 | $1,664 | $71,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.58% 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.
What it takes: see what you can afford by salary in Mississippi · part of the Tupelo metro area.
Mississippi counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Union County | $207,281 | +7.4% | 0.56% |
| Stone County | $204,922 | +7.8% | 0.7% |
| Pearl River County | $210,156 | +1.1% | 0.65% |
| Lee County | $212,212 | +6.1% | 0.69% |
| George County | $213,326 | +4.5% | 0.63% |
| Jackson County | $214,695 | +0.4% | 0.71% |
| Marshall County | $216,006 | +0.4% | 0.72% |
| Lowndes County | $187,535 | +3.4% | 0.6% |
| Tishomingo County | $186,187 | -4.1% | 0.49% |
| Panola County | $185,775 | +1.9% | 0.65% |
Frequently asked questions
What is the average home price in Pontotoc County, MS?
The typical home value in Pontotoc County is $207,261 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Pontotoc County?
About $56,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Pontotoc County?
The median effective rate is 0.58% of home value a year (Census ACS 2024 5-year estimates).