Income needed to buy a home
Humphreys County, MS
$24,991
a year in household income to buy the typical Humphreys County home with 10% down.
The monthly math
Typical home value$75,481
Down payment (10%)$7,548
Loan$67,933
Principal and interest (7.40%)$470/mo
Property tax (0.74% a year)$47/mo
Homeowners insurance (estimate)$38/mo
Mortgage insurance$28/mo
Total monthly cost$583/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
Within reach
The typical household here earns $33,731 a year, 35% more than it takes.
In Mississippi
Humphreys County ranks #3 of 80 for the income a home takes, from least to most.
Easiest to afford in Mississippi
| County | Typical home | Income needed |
|---|---|---|
| Coahoma County | $51,772 | $17,153 |
| Washington County | $55,372 | $18,684 |
| Leflore County | $75,611 | $25,105 |
| Holmes County | $92,420 | $29,844 |
| Sunflower County | $93,711 | $30,719 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.