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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

Sardis, MS Housing Affordability Index

Sardis, Mississippi has an MBR Housing Affordability Index score of 135.9 (Highly Affordable) as of October 30, 2026, ranking 167th most affordable of 285 scored Mississippi cities, compared with 131.1 statewide and 97.4 nationally. On a median-priced $82,600 home with 20% down, the Mississippi average 30-year fixed rate of 7.20% means a monthly principal and interest payment of about $448, or 17% of the city’s $32,205 median household income.

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

Sardis MBR-HAI 135.9 Highly Affordable
Rank in Mississippi 167 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 $82,600 U.S. Census Bureau

Sardis is 4.7 points above the Mississippi score. Scores as of October 30, 2026. See the Mississippi index

View Sardis Mortgage Rates

What It Takes to Buy in Sardis

$448/mo
Principal & Interest
Median home, 20% down, 7.20%
$19,200
Income Needed
To keep the payment at 28% of income
$32,205
Median Household Income
Mississippi: $56,447
2.6x
Price-to-Income Ratio
Mississippi: 3.0x
$475/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,350/yr
Median Property Tax
1.63% of median value
51.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
40.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Sardis Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Sardis, Mississippi score: 135.9 (Highly Affordable), ranked 167 of 285 Mississippi cities. monitorbankrates.com/housing-affordability-index/mississippi/sardis”