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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

West, MS Housing Affordability Index

West, Mississippi has an MBR Housing Affordability Index score of 305.0 (Highly Affordable) as of October 30, 2026, ranking 1st most affordable of 285 scored Mississippi cities, compared with 131.1 statewide and 97.4 nationally. On a median-priced $82,900 home with 20% down, the Mississippi average 30-year fixed rate of 7.20% means a monthly principal and interest payment of about $450, or 6% of the city’s $88,977 median household income.

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

West MBR-HAI 305.0 Highly Affordable
Rank in Mississippi 1 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 $82,900 U.S. Census Bureau

West is 173.9 points above the Mississippi score. Scores as of October 30, 2026. See the Mississippi index

View West Mortgage Rates

What It Takes to Buy in West

$450/mo
Principal & Interest
Median home, 20% down, 7.20%
$19,300
Income Needed
To keep the payment at 28% of income
$88,977
Median Household Income
Mississippi: $56,447
0.9x
Price-to-Income Ratio
Mississippi: 3.0x
$520/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,193/yr
Median Property Tax
Mississippi figure
26.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
9.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How West Ranks in Mississippi

Cities with similar scores
#1West305.0
#2Mooreville299.3 #3Lena257.0 #4Kiln250.1
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Cite the West Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. West, Mississippi score: 305.0 (Highly Affordable), ranked 1 of 285 Mississippi cities. monitorbankrates.com/housing-affordability-index/mississippi/west”