Starkville, MS home prices
Typical home $259,844 · +4.8% in a year · income needed $72,100
The Starkville, MS metro area ranks 421 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +4.8% in a year and +22.0% over five years. With 20% down at 7.11%, the typical home costs about $1,682 a month including 0.71% property tax (Oktibbeha County rate).
Mortgage on the typical Starkville home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $51,969 | $207,875 | $1,398 | $0 | $284 | $1,682 | $72,100 |
| 10% down | $25,984 | $233,859 | $1,573 | $97 | $284 | $1,955 | $83,800 |
| 5% down | $12,992 | $246,851 | $1,661 | $103 | $284 | $2,047 | $87,700 |
| 3.5% down (FHA) | $9,095 | $255,137 | $1,716 | $115 | $284 | $2,115 | $90,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.71% 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 Starkville area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Oktibbeha County, MS | $282,630 | +4.6% | 0.71% |
| Webster County, MS | $171,919 | +1.2% | 0.68% |
What can you afford in Mississippi on your salary? · Mississippi home prices · Salaries in Mississippi
Frequently asked questions
How much is a house in Starkville?
The typical home in the Starkville, MS metro area is worth $259,844 (Zillow, September 2026).
What salary do you need to buy a house in Starkville?
About $72,100 a year for the typical home with 20% down at 7.11%.