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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

Lucedale, MS Housing Affordability Index

Lucedale, Mississippi has an MBR Housing Affordability Index score of 120.0 (More Affordable Than Average) as of October 30, 2026, ranking 226th most affordable of 285 scored Mississippi cities, compared with 131.1 statewide and 97.4 nationally. On a median-priced $156,300 home with 20% down, the Mississippi average 30-year fixed rate of 7.20% means a monthly principal and interest payment of about $848, or 25% of the city’s $40,668 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Lucedale 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.

Lucedale MBR-HAI 120.0 More Affordable Than Average
Rank in Mississippi 226 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 $156,300 U.S. Census Bureau

Lucedale is 11.2 points below the Mississippi score. Scores as of October 30, 2026. See the Mississippi index

View Lucedale Mortgage Rates

What It Takes to Buy in Lucedale

$848/mo
Principal & Interest
Median home, 20% down, 7.20%
$36,400
Income Needed
To keep the payment at 28% of income
$40,668
Median Household Income
Mississippi: $56,447
3.8x
Price-to-Income Ratio
Mississippi: 3.0x
$662/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,510/yr
Median Property Tax
0.97% of median value
31.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
15.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Lucedale Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Lucedale, Mississippi score: 120.0 (More Affordable Than Average), ranked 226 of 285 Mississippi cities. monitorbankrates.com/housing-affordability-index/mississippi/lucedale”