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City · 6,500 residents · Monroe County, Mississippi

Amory , Mississippi

In Amory, a typical home is worth $162,000 and typical rent is $834 a month. Compared with all of Monroe County, the typical home value is 34% higher, typical rent is 9% higher, and the share of households that own their home is 14 points lower.

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  • Typical home value

    $162,000

    34% above the county

    5% below Mississippi

    • Amory
    • Monroe
    • Mississippi

  • Typical rent

    $834a month

    9% above the county

    13% below Mississippi

    • Amory
    • Monroe
    • Mississippi

  • Typical household income

    $52,901a year

    About the same as the county

    6% below Mississippi

    • Amory
    • Monroe
    • Mississippi

  • Households that own their home

    62%

    14 points below the county

    8 points below Mississippi

    • Amory
    • Monroe
    • Mississippi

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$169,234
2.2% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Amory is in Monroe County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Monroe County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Amory apart

What this place has that others do not, from public data, most unusual first.

  1. The typical home in Amory is worth $162,000, 34% more than in Monroe County as a whole ($120,800).

  2. Nearby, in Columbus, the typical home value is $125,700: 22% less than in Amory ($162,000).

  3. 62% of households in Amory own their home, against 76% in Monroe County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Amory

What homes there are in Amory, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

As in Monroe County, most homes in Amory are detached houses (74%).

Year built

In Amory, half of the homes were built before 1975; in Monroe County, before 1982.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,030 a month

Monroe County: $1,163 a month

Without a mortgage

$442 a month

Monroe County: $388 a month

Owners with a mortgage

54%

Monroe County: 46%

In Amory, 54% of owners have a mortgage, and their typical cost is $1,030 a month, against $1,163 in Monroe County. Without one it drops to $442.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Amory rose 33% since 2015–2019, about the same as in Monroe County (32%).

Rents in Amory rose at about the same pace as in Monroe County: 27% since 2015–2019, against 24%.

The typical household income in Amory rose 50%: more than home values (+33%) and rent (+27%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureAmoryMonroe CountyMississippiUnited States
Rental vacancy Unreliable estimateUnreliable estimate8.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimateUnreliable estimate2.2%3.4%
People per household 2.332.392.492.53
Drive alone 87%84%82%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home Unreliable estimate5%6%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Amory look like those in Monroe County: 2.33 people on average.

To get to work, 87% of workers in Amory drive alone; in Monroe County, 84%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Amory?

A typical home is tight for the typical income

We start with a typical home in Amory, worth $162,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Amory, which is $52,901 a year. For that payment to be 28% of income, a household would need to earn about $55,501 a year.

The calculator's FHA and conventional loan limits are those of all of Monroe County.

Your numbers

Local data
$

Starts at the typical home value in Amory. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $5,670 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,295

at 7.18% · 30 years

Loan amount
$159,066
Total interest
$228,858
Paid off in
November 2056

Includes $2,736 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,234 a month

  • Tight

    $1,234 to $1,587 a month

    Your payment · 29%

  • Hard

    more than $1,587 a month

Compared with the typical household income in Amory ($52,901 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,295
Principal & interest$1,078
Property tax$78
Home insurance$68
FHA mortgage insurance (MIP)$72

You need at least $5,670 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Amory and Monroe County

Amory is in Monroe County, Mississippi. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Amory's own numbers

Typical home value
$162,000
Typical monthly rent
$834
Typical yearly household income
$52,901
Households that own their home
62%
Effective property tax rate
0.58%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Monroe County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$905
Price change over 5 years (FHFA)
+32%
Homes in a high flood-risk zone
5.7%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Monroe County.

Everything about Monroe County

Buying

Buying a home in Amory

A typical home in Amory is worth $162,000: 34% above the county and 5% below Mississippi. With the typical household income in Amory ($52,901 a year), a typical home costs 3.1 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Amory 3.1 years
  • Monroe 2.3 years
  • Mississippi 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Monroe County

According to FHFA’s house price index, home prices in Monroe County rose 50% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Monroe County.

Period County Mississippi U.S.
Last year (2025) −1.7% +3.5% +2.9%
5 years (2020–2025) +32% +42% +47%
10 years (2015–2025) +50% +62% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Amory next to Monroe County, Mississippi and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Amory $162,000
  • Monroe $120,800
  • Mississippi $169,800
  • United States $332,700
Typical monthly rent
  • Amory $834
  • Monroe $768
  • Mississippi $954
  • United States $1,413
Typical yearly household income
  • Amory $52,901
  • Monroe $51,866
  • Mississippi $56,447
  • United States $80,734
See the full table
Amory next to Monroe County and Mississippi
Measure Amory Monroe County Mississippi U.S.
Typical home value $162,000 $120,800 $169,800 $332,700
Typical monthly rent $834 $768 $954 $1,413
Typical yearly household income $52,901 $51,866 $56,447 $80,734
Households that own their home 62% 76% 70% 65%
Typical yearly property tax $937 $843 $1,215 $3,119
Effective property tax rate 0.58% 0.7% 0.72% 0.94%
Renters with high rent for their income 55% 51% 51% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Monroe County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Amory

For a typical $162,000 home in Amory, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Amory's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,295a month

    Least cash to close
    Down payment
    $5,670
    Cash to close
    $10,530
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $72

  • Conventional, 5% down $1,265a month

    Down payment
    $8,100
    Cash to close
    $12,960
    Rate
    7.18%
    Mortgage insurance
    PMI · $77

  • Conventional, 20% down, no PMI $1,024a month

    Down payment
    $32,400
    Cash to close
    $37,260
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,174a month

    Down payment
    $24,300
    Cash to close
    $29,160
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Amory and for Monroe County.

Property tax

Effective rate in Amory

0.58%of the home’s value each year

$937 a year for the typical owner in Amory.

  • Amory 0.58%
  • Monroe 0.7%
  • Mississippi 0.72%

What Mississippi publishes Regular homestead exemption (Tier 1) (Mississippi Department of Revenue)

Exemptions and deadlines in Mississippi

Flood risk in Monroe County

FEMA does not publish these numbers by city: they are for all of Monroe County.

Homes in the high-risk zone
5.7%
611
Of those, with NFIP insurance
33%
County Mississippi U.S.
Homes in the high-risk zone 5.7% 7.6% 3.5%
Of those, with NFIP insurance 33% 33% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Amory

Typical rent in Amory is $834 a month: 9% above the county. In Amory, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Monroe County, by unit size. To pay the 2-bedroom one ($905 a month) without spending more than 30% of your income, you would need to earn $17.40 an hour working full time.

HUD fair market rent for all of Monroe County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $761 $14.63 $30,440
1 bedroom $769 $14.79 $30,760
2 bedrooms $905 $17.40 $36,200
3 bedrooms $1,078 $20.73 $43,120
4 bedrooms $1,189 $22.87 $47,560

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Amory

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Amory is in ZIP code 38821.

For 2 bedrooms it is $920: $15 more than the fair market rent for Monroe County ($905).

  • 38821 $920$1,100

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Amory when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Amory

HUD lists 4 buildings with rents for lower incomes in Amory. These are the largest.

  • Pope Apts/Brasfield Eld. 6 Norwood St, Amory 38821 112 low-income homes · Run by The Housing Authority of the City of Amory · Average payment: $383 a month · Average wait: 20 months · Homes at several sites (662) 256-3213
  • Moore Manor Apts 520 111th St, Amory 38821 64 low-income homes · 1 bd: 24 · 2 bd: 16 · 3 bd: 16 · 4 bd: 8 · In service since 1998 · For older adults, people with disabilities, families (662) 256-7992
  • Tschudi Courts 1000 Tschudi RD, Amory 38821 48 low-income homes · 1 bd: 12 · 2 bd: 36 · In service since 1989 · For families
  • Amory Rentals 1103 Lee Ave, Amory 38821 29 low-income homes · For families (662) 256-4669

See all 10 buildings in Monroe County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Amory

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Monroe County. The nearest ones are below; many serve by phone or online.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Amory

No down payment, repair or rent-help program on our list is for Amory or Monroe County. The ones below are statewide in Mississippi: they work in Amory the same as in the rest of the state.

Which programs do I qualify for? All programs in Mississippi

  • Smart7 Mortgage Program

    Statewide in Mississippi

    Mississippi state corporation 30-year mortgage with $7,000 for the down payment or closing costs as a 0% second mortgage, repaid when you sell, refinance, stop living in the home or pay off the mortgage; no first-time buyer requirement. Offered by Mississippi Home Corporation (MHC).

    Deferred

    See the program Official page

  • Easy8

    Statewide in Mississippi

    Mississippi state corporation 30-year mortgage with $8,000 at 0% as a second mortgage for the down payment, closing costs or prepaid expenses, repaid when you sell, refinance, stop living in the home or pay off the mortgage; for first-time buyers, except in designated areas and for veterans. Offered by Mississippi Home Corporation (MHC).

    Deferred

    See the program Official page

  • Home4All

    Statewide in Mississippi

    Mississippi state corporation forgivable grant, with federal HOME funds, of up to $25,000 for the down payment, closing costs or to reduce the principal; for first-time buyers with incomes under 80% of the area median and a fixed-rate mortgage; if you sell before 5 or 10 years (depending on the amount), you may repay part of it. Offered by Mississippi Home Corporation (MHC).

    Grant

    See the program Official page

Housing counselors near Amory

The HUD-approved agencies closest to the center of Amory, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • North Mississippi Rural Legal Services

    493 Ryland Way, Oxford · 65 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 2 more
    (662) 234-8731

  • Tunica Co. Community Dev. Coalition

    1097 Antioch St, Tunica · 119 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (662) 357-5990

  • Southern Bancorp Community Partners

    875 S State St, Clarksdale · 121 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    662-624-5776-3112

All counseling agencies in Mississippi

Help in Spanish near Amory

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Amory

HUD’s record names them for Amory or Monroe County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • The Housing Authority of the City of Amory Public housing (662) 256-3213

One other authority has an office in Monroe County: see the list Source: HUD

Cities

Nearby cities

The cities closest to Amory, with the typical home value.

Everything about Monroe County Housing in Mississippi

Neighboring counties

If Monroe County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Amory.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Amory

Short answers with the numbers for Amory and all of Monroe County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Amory?

The typical home value in Amory is $162,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Monroe County it is $120,800.

How much does it cost to rent in Amory?

Typical rent in Amory is $834 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Monroe County is $905.

What is the FHA loan limit in Amory?

Amory uses the FHA limit for all of Monroe County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Amory?

The typical homeowner in Amory pays $937 a year, according to the U.S. Census Bureau. That is 0.58% of the home’s value; in Monroe County, the rate is 0.7%.

Where can I find free help to buy or rent in Amory?

We found no HUD-approved counseling agencies with an office in Monroe County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).