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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

Starkville, MS Housing Affordability Index

Starkville, Mississippi has an MBR Housing Affordability Index score of 77.9 (Moderately Less Affordable) as of October 30, 2026, ranking 285th most affordable of 285 scored Mississippi cities, compared with 131.1 statewide and 97.4 nationally. On a median-priced $299,900 home with 20% down, the Mississippi average 30-year fixed rate of 7.20% means a monthly principal and interest payment of about $1,628, or 46% of the city’s $42,125 median household income.

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

Starkville MBR-HAI 77.9 Moderately Less Affordable
Rank in Mississippi 285 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 $299,900 U.S. Census Bureau

Starkville is 53.2 points below the Mississippi score. Scores as of October 30, 2026. See the Mississippi index

View Starkville Mortgage Rates

What It Takes to Buy in Starkville

$1,628/mo
Principal & Interest
Median home, 20% down, 7.20%
$69,800
Income Needed
To keep the payment at 28% of income
$42,125
Median Household Income
Mississippi: $56,447
7.1x
Price-to-Income Ratio
Mississippi: 3.0x
$1,066/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,874/yr
Median Property Tax
0.96% of median value
19.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
54.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Starkville Ranks in Mississippi

Cities with similar scores
#282North Carrollton84.1 #283Oxford83.2 #284Como79.6
#285Starkville77.9
Least affordable in Mississippi
#281Pheba87.9 #282North Carrollton84.1 #283Oxford83.2 #284Como79.6
#285Starkville77.9
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Cite the Starkville Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Starkville, Mississippi score: 77.9 (Moderately Less Affordable), ranked 285 of 285 Mississippi cities. monitorbankrates.com/housing-affordability-index/mississippi/starkville”