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City · 11,650 residents · Lincoln County, Mississippi

Brookhaven , Mississippi

In Brookhaven, a typical home is worth $121,900 and typical rent is $740 a month. Compared with all of Lincoln County, typical household income is 28% lower, the typical home value is 22% lower, and the share of households that own their home is 21 points lower.

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  • Typical home value

    $121,900

    22% below the county

    28% below Mississippi

    • Brookhaven
    • Lincoln
    • Mississippi

  • Typical rent

    $740a month

    3% below the county

    22% below Mississippi

    • Brookhaven
    • Lincoln
    • Mississippi

  • Typical household income

    $36,685a year

    28% below the county

    35% below Mississippi

    • Brookhaven
    • Lincoln
    • Mississippi

  • Households that own their home

    54%

    21 points below the county

    16 points below Mississippi

    • Brookhaven
    • Lincoln
    • Mississippi

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

Market now, with Zillow data

Zillow data
Typical home value
$159,912
about the same as 12 months ago

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

Brookhaven is in Lincoln 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 Lincoln County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Brookhaven apart

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

  1. 54% of households in Brookhaven own their home, against 75% in Lincoln County.

  2. The typical household income in Brookhaven is $36,685, 28% less than in Lincoln County as a whole ($51,119).

  3. Nearby, in McComb, the typical home value is $98,700: 19% less than in Brookhaven ($121,900).

  4. The typical home in Brookhaven is worth $121,900, 22% less than in Lincoln County as a whole ($155,800).

  5. Brookhaven has the 7th lowest typical rent of the 66 cities in Mississippi with more than 5,000 people ($740).

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

The homes here

Housing in Brookhaven

What homes there are in Brookhaven, 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

Detached houses, standing on their own, make up 69% of homes here, against 66% in Lincoln County.

Year built

Homes in Brookhaven are older: the typical year built is 1975; in Lincoln County, 1984.

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

By rent, most homes in Brookhaven cost less than HUD's 2-bedroom fair market rent ($905): about 67%.

With a mortgage

$1,209 a month

Lincoln County: $1,332 a month

Without a mortgage

$399 a month

Lincoln County: $439 a month

Owners with a mortgage

41%

Lincoln County: 34%

The typical cost for an owner with a mortgage in Brookhaven is $1,209 a month, less than in Lincoln County ($1,332); without one, $399.

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

From 2015–2019 to 2020–2024, the typical home value in Brookhaven did not change clearly: the difference is within the Census margin of error.

The typical rent in Brookhaven stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureBrookhavenLincoln 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 estimate4.2%2.2%3.4%
People per household 2.402.612.492.53
Drive alone 88%85%82%69%
Carpool 7%9%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home Unreliable estimate3%6%15%
Other means Unreliable estimate2%1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Brookhaven are smaller: 2.40 people on average; in Lincoln County, 2.61.

To get to work, 88% of workers in Brookhaven drive alone; in Lincoln County, 85%.

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 Brookhaven?

A typical home is tight for the typical income

We start with a typical home in Brookhaven, worth $121,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Brookhaven, which is $36,685 a year. For that payment to be 28% of income, a household would need to earn about $44,114 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Brookhaven. 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 $4,267 (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

$1,029

at 7.18% · 30 years

Loan amount
$119,692
Total interest
$172,208
Paid off in
November 2056

Includes $2,059 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $856 a month

  • Tight

    $856 to $1,101 a month

    Your payment · 34%

  • Hard

    more than $1,101 a month

Compared with the typical household income in Brookhaven ($36,685 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,029
Principal & interest$811
Property tax$114
Home insurance$51
FHA mortgage insurance (MIP)$54

You need at least $4,267 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

Brookhaven and Lincoln County

Brookhaven is in Lincoln 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).

Brookhaven's own numbers

Typical home value
$121,900
Typical monthly rent
$740
Typical yearly household income
$36,685
Households that own their home
54%
Effective property tax rate
1.12%

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

Numbers for all of Lincoln 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)
+35%
Homes in a high flood-risk zone
1.3%

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 Lincoln County.

Everything about Lincoln County

Buying

Buying a home in Brookhaven

A typical home in Brookhaven is worth $121,900: 22% below the county and 28% below Mississippi. With the typical household income in Brookhaven ($36,685 a year), a typical home costs 3.3 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.

  • Brookhaven 3.3 years
  • Lincoln 3.0 years
  • Mississippi 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Lincoln County

According to FHFA’s house price index, home prices in Lincoln County rose 46% in the 10 years through 2025.

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

Period County Mississippi U.S.
Last year (2025) +4.3% +3.5% +2.9%
5 years (2020–2025) +35% +42% +47%
10 years (2015–2025) +46% +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

Brookhaven next to Lincoln 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
  • Brookhaven $121,900
  • Lincoln $155,800
  • Mississippi $169,800
  • United States $332,700
Typical monthly rent
  • Brookhaven $740
  • Lincoln $760
  • Mississippi $954
  • United States $1,413
Typical yearly household income
  • Brookhaven $36,685
  • Lincoln $51,119
  • Mississippi $56,447
  • United States $80,734
See the full table
Brookhaven next to Lincoln County and Mississippi
Measure Brookhaven Lincoln County Mississippi U.S.
Typical home value $121,900 $155,800 $169,800 $332,700
Typical monthly rent $740 $760 $954 $1,413
Typical yearly household income $36,685 $51,119 $56,447 $80,734
Households that own their home 54% 75% 70% 65%
Typical yearly property tax $1,364 $1,089 $1,215 $3,119
Effective property tax rate 1.12% 0.7% 0.72% 0.94%
Renters with high rent for their income 48% 46% 51% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Lincoln 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 Brookhaven

For a typical $121,900 home in Brookhaven, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Brookhaven's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,029a month

    Least cash to close
    Down payment
    $4,267
    Cash to close
    $7,924
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $54

  • Conventional, 5% down $1,007a month

    Down payment
    $6,095
    Cash to close
    $9,752
    Rate
    7.18%
    Mortgage insurance
    PMI · $58

  • Conventional, 20% down, no PMI $825a month

    Down payment
    $24,380
    Cash to close
    $28,037
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $938a month

    Down payment
    $18,285
    Cash to close
    $21,942
    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 Brookhaven and for Lincoln County.

Property tax

Effective rate in Brookhaven

1.12%of the home’s value each year

$1,364 a year for the typical owner in Brookhaven.

  • Brookhaven 1.12%
  • Lincoln 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 Lincoln County

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

Homes in the high-risk zone
1.3%
184
Of those, with NFIP insurance
16%
County Mississippi U.S.
Homes in the high-risk zone 1.3% 7.6% 3.5%
Of those, with NFIP insurance 16% 33% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Brookhaven

Typical rent in Brookhaven is $740 a month: 3% below the county. In Brookhaven, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Lincoln 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 Lincoln 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 $687 $13.21 $27,480
1 bedroom $692 $13.31 $27,680
2 bedrooms $905 $17.40 $36,200
3 bedrooms $1,185 $22.79 $47,400
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 Brookhaven

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Brookhaven is in ZIP code 39601.

For 2 bedrooms it is $930: $25 more than the fair market rent for Lincoln County ($905).

  • 39601 $930$1,220

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Brookhaven 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 Brookhaven

HUD lists 8 buildings with rents for lower incomes in Brookhaven. These are the largest.

  • Cloverdale/Brookwood 115 E Chippewa St, Brookhaven 39601 118 low-income homes · Run by The Housing Authority of the City of Brookhaven · Average payment: $334 a month · Average wait: 2 months · Homes at several sites (601) 833-1781
  • North Haven Apartments 1362 Union Street Ext NE, Brookhaven 39601 80 low-income homes · For families (601) 833-8689
  • Lincoln Vil-Eastview 501 Brookman Dr, Brookhaven 39601 79 low-income homes · Run by The Housing Authority of the City of Brookhaven · Average payment: $364 a month · Average wait: 22 months · Homes at several sites (601) 833-1781
  • Kingsborough Apartments 502 Silver Cross Dr, Brookhaven 39601 70 low-income homes · For older adults (601) 835-2627
  • Brookhaven Apts 635 Industrial Park Rd NE, Brookhaven 39601 48 low-income homes · 2 bd: 48 · In service since 1996 · For families

See all 8 buildings in Lincoln County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Brookhaven

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 Lincoln County. The nearest ones are below; many serve by phone or online.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Brookhaven

No down payment, repair or rent-help program on our list is for Brookhaven or Lincoln County. The ones below are statewide in Mississippi: they work in Brookhaven 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 Brookhaven

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

  • D&e, A Housing and Economic Empowerment Center, Inc.

    521 Marion Ave, McComb · 23 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (601) 600-7001

  • West Jackson CDC

    1635 Raymond Rd, Jackson · 49 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 6 more
    (601) 946-9310

  • Mississippi Faith Based Coalition for Community Renewal, Inc.

    1750 Ellis Ave Ste 205, Jackson · 50 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (601) 346-7503

All counseling agencies in Mississippi

Help in Spanish near Brookhaven

None of the 3 agencies on this list say they serve 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 Brookhaven

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

  • The Housing Authority of the City of Brookhaven Public housing (601) 833-1781

All housing agencies in Mississippi Source: HUD

Cities

Nearby cities

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

Everything about Lincoln County Housing in Mississippi

Neighboring counties

If Lincoln 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 Brookhaven.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Brookhaven

Short answers with the numbers for Brookhaven and all of Lincoln 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 Brookhaven?

The typical home value in Brookhaven is $121,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lincoln County it is $155,800.

How much does it cost to rent in Brookhaven?

Typical rent in Brookhaven is $740 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lincoln County is $905.

What is the FHA loan limit in Brookhaven?

Brookhaven uses the FHA limit for all of Lincoln 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 Brookhaven?

The typical homeowner in Brookhaven pays $1,364 a year, according to the U.S. Census Bureau. That is 1.12% of the home’s value; in Lincoln County, the rate is 0.7%.

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

We found no HUD-approved counseling agencies with an office in Lincoln 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).