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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Heidelberg, MS Housing Affordability Index

Heidelberg, Mississippi has an MBR Housing Affordability Index score of 157.7 (Highly Affordable) as of October 30, 2026, ranking 97th most affordable of 285 scored Mississippi cities, compared with 131.1 statewide and 97.4 nationally. On a median-priced $107,800 home with 20% down, the Mississippi average 30-year fixed rate of 7.20% means a monthly principal and interest payment of about $585, or 14% of the city’s $49,896 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Heidelberg is updated every night from live Mississippi mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Heidelberg MBR-HAI 157.7 Highly Affordable
Rank in Mississippi 97 of 285 1 = most affordable
Mississippi 131.1 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.20% Mississippi lenders
Median home value $107,800 U.S. Census Bureau

Heidelberg is 26.6 points above the Mississippi score. Scores as of October 30, 2026. See the Mississippi index

View Heidelberg Mortgage Rates

What It Takes to Buy in Heidelberg

$585/mo
Principal & Interest
Median home, 20% down, 7.20%
$25,100
Income Needed
To keep the payment at 28% of income
$49,896
Median Household Income
Mississippi: $56,447
2.2x
Price-to-Income Ratio
Mississippi: 3.0x
$706/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,193/yr
Median Property Tax
Mississippi figure
40.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
22.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Heidelberg, Mississippi. The rate is the Mississippi average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Heidelberg Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Heidelberg, Mississippi score: 157.7 (Highly Affordable), ranked 97 of 285 Mississippi cities. monitorbankrates.com/housing-affordability-index/mississippi/heidelberg”