Mississippi Housing Affordability Index

Daily affordability score for Mississippi compared to the national average — updated every night using live mortgage rates and U.S. Census Bureau income and home value data.

Live Score

Mississippi

126.3

Highly Affordable

MBR-HAI • April 10, 2026

National Average

100.6

Near National Average

MBR-HAI • April 10, 2026

National Rank #5 of 51 states

vs. National Average +25.7 points

30-yr Rate Used 6.528%

Median Home Value $169,800

Median Household Income $56,447

View all state rankings →

Mississippi Affordability Ranking

#5 of 51 states — April 10, 2026 Top 20% most affordable

Most Affordable Least Affordable

More affordable than: 46 of 51 states (90%)

Less affordable than: 4 of 51 states (8%)

MBR-HAI Score: 126.3 vs. national 100.6 (+25.7 points)

Nearby States

↑ 2 more affordable states above

#3 AL 129.8

#4 IA 129.6

#5 Mississippi ◀ 126.3

#6 LA 125.3

#7 IN 124.4

↓ 44 less affordable states below

Top 5 Most Affordable

#1 WV 139.9

#2 AR 131.2

#3 AL 129.8

#4 IA 129.6

#5 MS ◀ 126.3

Bottom 5 Least Affordable

#47 RI 90.6

#48 NY 89.3

#49 OR 89.2

#50 MA 87.2

#51 CA 81.5

View full 51-state rankings →

Mississippi MBR-HAI — 90-Day Trend

Mississippi

National Average

Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.

Key Affordability Factors — Mississippi

$169,800

Median Home Value

U.S. median: varies by state

$56,447

Median Household Income

U.S. median: $80,734

3.0x

Price-to-Income Ratio

Home value ÷ income

$795/mo

Median Owner Costs

16.9% of income annually

$1,193/yr

Median Property Tax

0.70% effective rate

75.7%

Homeownership Rate

U.S. average: 65.7%

26.2%

Owner Cost Burden

% spending 30%+ of income on housing

6.528%

30-yr Mortgage Rate

State average • April 10, 2026

Source: U.S. Census Bureau ACS 5-Year Estimates (2024), CPS/HVS Q4 2025. Mortgage rate from MBR live rate database.

How Mississippi Ranks Among All States

#5

of 51 states

Least Affordable Most Affordable

Mississippi is more affordable than 92% of U.S. states — Highly Affordable

126.3

MBR-HAI Score

Rank	State	MBR-HAI Score	Affordability
▲ See top 1 state →
2	Arkansas	131.2	Highly Affordable
3	Alabama	129.8	Highly Affordable
4	Iowa	129.6	Highly Affordable
5	Mississippi You are here	126.3	Highly Affordable
6	Louisiana	125.3	Highly Affordable
7	Indiana	124.4	Highly Affordable
8	Kansas	123.0	Highly Affordable
▼ See all 51 state rankings →

Showing states ranked near Mississippi — April 10, 2026 • View complete national rankings →

Download Mississippi HAI Data

Mississippi History (CSV)

Daily score vs. national • all dates

                    date,state,hai_score,national_score,rate_used

                    2026-04-11,MS,126.3,100.6,6.528                

Download MS History (CSV)

All 51 States (CSV)

Compare Mississippi to every state

Daily scores for all 51 states — filter by state or date in Excel or Google Sheets.

All States (CSV)

Explore Further

National MBR-HAI Rankings

See how Mississippi ranks among all 51 states and the national average.

HAI Methodology

How the 10-component formula is computed, data sources, and score interpretation.

Mississippi Mortgage Rates

Live 30-year and 15-year rates from banks and credit unions in Mississippi.