Natchez, MS home prices
Typical home $112,510 · -2.9% in a year · income needed $32,000
The Natchez, MS metro area ranks 873 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -2.9% in a year and -21.0% over five years. With 20% down at 7.11%, the typical home costs about $746 a month including 0.9% property tax (Adams County rate).
Mortgage on the typical Natchez home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $22,502 | $90,008 | $605 | $0 | $140 | $746 | $32,000 |
| 10% down | $11,251 | $101,259 | $681 | $42 | $140 | $864 | $37,000 |
| 5% down | $5,626 | $106,885 | $719 | $45 | $140 | $904 | $38,700 |
| 3.5% down (FHA) | $3,938 | $110,473 | $743 | $50 | $140 | $933 | $40,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.9% 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.
Counties in the Natchez area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Adams County, MS | $109,360 | -7.6% | 0.9% |
| Concordia Parish, LA | $118,343 | +9.6% | 0.37% |
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Frequently asked questions
How much is a house in Natchez?
The typical home in the Natchez, MS metro area is worth $112,510 (Zillow, September 2026).
What salary do you need to buy a house in Natchez?
About $32,000 a year for the typical home with 20% down at 7.11%.