Stone County, Mississippi home prices
Typical home $204,922 · +7.8% in a year · property tax 0.7%
The typical home in Stone County is worth $204,922, 5% more than the Mississippi typical home ($194,531). Values changed +7.8% in the past year and +21.3% over five years. Homeowners here pay a median 0.7% of their home's value in property tax each year ($1,442 on the typical home), versus 0.65% statewide.
Mortgage on the typical Stone County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $40,984 | $163,938 | $1,103 | $0 | $223 | $1,325 | $56,800 |
| 10% down | $20,492 | $184,430 | $1,241 | $77 | $223 | $1,540 | $66,000 |
| 5% down | $10,246 | $194,676 | $1,310 | $81 | $223 | $1,613 | $69,100 |
| 3.5% down (FHA) | $7,172 | $201,210 | $1,354 | $91 | $223 | $1,667 | $71,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.7% 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 Gulfport metro area.
Mississippi counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Pontotoc County | $207,261 | +7.8% | 0.58% |
| Union County | $207,281 | +7.4% | 0.56% |
| 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 Stone County, MS?
The typical home value in Stone County is $204,922 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Stone County?
About $56,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Stone County?
The median effective rate is 0.7% of home value a year (Census ACS 2024 5-year estimates).