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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

Pontotoc, MS Housing Affordability Index

Pontotoc, Mississippi has an MBR Housing Affordability Index score of 136.5 (Highly Affordable) as of October 30, 2026, ranking 162nd most affordable of 285 scored Mississippi cities, compared with 131.1 statewide and 97.4 nationally. On a median-priced $155,800 home with 20% down, the Mississippi average 30-year fixed rate of 7.20% means a monthly principal and interest payment of about $846, or 22% of the city’s $46,167 median household income.

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

Pontotoc MBR-HAI 136.5 Highly Affordable
Rank in Mississippi 162 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 $155,800 U.S. Census Bureau

Pontotoc is 5.4 points above the Mississippi score. Scores as of October 30, 2026. See the Mississippi index

View Pontotoc Mortgage Rates

What It Takes to Buy in Pontotoc

$846/mo
Principal & Interest
Median home, 20% down, 7.20%
$36,200
Income Needed
To keep the payment at 28% of income
$46,167
Median Household Income
Mississippi: $56,447
3.4x
Price-to-Income Ratio
Mississippi: 3.0x
$877/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$771/yr
Median Property Tax
0.49% of median value
14.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
50.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Pontotoc Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Pontotoc, Mississippi score: 136.5 (Highly Affordable), ranked 162 of 285 Mississippi cities. monitorbankrates.com/housing-affordability-index/mississippi/pontotoc”