Income needed to buy a home
Jefferson County, MS
$31,774
a year in household income to buy the typical Jefferson County home with 10% down.
The monthly math
Typical home value$97,256
Down payment (10%)$9,726
Loan$87,530
Principal and interest (7.40%)$606/mo
Property tax (0.62% a year)$50/mo
Homeowners insurance (estimate)$49/mo
Mortgage insurance$36/mo
Total monthly cost$741/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 $38,305 a year, 21% more than it takes.
In Mississippi
Jefferson County ranks #8 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 |
| Humphreys County | $75,481 | $24,991 |
| Leflore County | $75,611 | $25,105 |
| Holmes County | $92,420 | $29,844 |
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.