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City · 14,231 residents · Coahoma County, Mississippi

Clarksdale , Mississippi

In Clarksdale, a typical home is worth $83,900 and typical rent is $774 a month. Compared with all of Coahoma County, the typical home value is 7% lower and the share of households that own their home is 6 points lower.

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  • Typical home value

    $83,900

    7% below the county

    51% below Mississippi

    • Clarksdale
    • Coahoma
    • Mississippi

  • Typical rent

    $774a month

    3% above the county

    19% below Mississippi

    • Clarksdale
    • Coahoma
    • Mississippi

  • Typical household income

    $36,382a year

    3% below the county

    36% below Mississippi

    • Clarksdale
    • Coahoma
    • Mississippi

  • Households that own their home

    46%

    6 points below the county

    24 points below Mississippi

    • Clarksdale
    • Coahoma
    • Mississippi

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

Market now, with Zillow data

Zillow data
Typical home value
$55,707
2.4% more than 12 months ago

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

Clarksdale is in Coahoma 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 Coahoma County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Clarksdale apart

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

  1. Clarksdale has the lowest typical home value of the 67 cities in Mississippi with more than 5,000 people: $83,900.

  2. Clarksdale has the 3rd lowest typical household income of the 67 cities in Mississippi with more than 5,000 people ($36,382).

  3. 46% of households in Clarksdale own their home, against 52% in Coahoma County.

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

The homes here

Housing in Clarksdale

What homes there are in Clarksdale, 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

In Clarksdale, 7 in 10 homes are single-family detached houses, about the same as in Coahoma County.

Year built

The typical home in Clarksdale was built in 1964, 6 years before the typical one in Coahoma County.

Much as in Coahoma County, 67% of homes in Clarksdale have 3 bedrooms or more.

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 Clarksdale cost less than HUD's 2-bedroom fair market rent ($905): about 67%.

With a mortgage

$1,205 a month

Coahoma County: $1,236 a month

Without a mortgage

$439 a month

Coahoma County: $434 a month

Owners with a mortgage

36%

Coahoma County: 37%

Owning costs about the same in Clarksdale as in Coahoma County: with a mortgage, $1,205 a month; without one, $439.

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

Homes in Clarksdale gained value more slowly than in Coahoma County: 28% since 2015–2019, against 32%.

The typical rent in Clarksdale rose 29% since 2015–2019, about the same as in Coahoma County (29%).

Housing prices ran ahead of income in Clarksdale: typical income rose 20%, against +28% for home values and +29% for rent.

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

MeasureClarksdaleCoahoma CountyMississippiUnited States
Rental vacancy 10.6%9.8%8.2%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 2.392.372.492.53
Drive alone 78%79%82%69%
Carpool 12%10%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home 9%8%6%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Open rentals in Clarksdale look like those in Coahoma County: the rental vacancy rate is 10.6%.

Much as in Coahoma County, a household in Clarksdale has 2.39 people on average.

To get to work, 78% of workers in Clarksdale drive alone; in Coahoma County, 79%.

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 Clarksdale?

A typical home is within reach of the typical income

We start with a typical home in Clarksdale, worth $83,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 24% of the typical household income in Clarksdale, which is $36,382 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Clarksdale. 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 $2,937 (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

$742

at 7.18% · 30 years

Loan amount
$82,380
Total interest
$118,525
Paid off in
November 2056

Includes $1,417 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $849 a month

    Your payment · 24%

  • Tight

    $849 to $1,091 a month

  • Hard

    more than $1,091 a month

Compared with the typical household income in Clarksdale ($36,382 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$742
Principal & interest$558
Property tax$112
Home insurance$35
FHA mortgage insurance (MIP)$37

You need at least $2,937 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

Clarksdale and Coahoma County

Clarksdale is in Coahoma 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).

Clarksdale's own numbers

Typical home value
$83,900
Typical monthly rent
$774
Typical yearly household income
$36,382
Households that own their home
46%
Effective property tax rate
1.6%

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

Numbers for all of Coahoma County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$905
Homes in a high flood-risk zone
2.3%

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 Coahoma County.

Everything about Coahoma County

Buying

Buying a home in Clarksdale

A typical home in Clarksdale is worth $83,900: 7% below the county and 51% below Mississippi. With the typical household income in Clarksdale ($36,382 a year), a typical home costs 2.3 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.

  • Clarksdale 2.3 years
  • Coahoma 2.4 years
  • Mississippi 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Coahoma County

FHFA publishes no annual price index in Coahoma County. That usually happens when there are too few sales to measure it.

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

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

Clarksdale next to Coahoma 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
  • Clarksdale $83,900
  • Coahoma $90,300
  • Mississippi $169,800
  • United States $332,700
Typical monthly rent
  • Clarksdale $774
  • Coahoma $749
  • Mississippi $954
  • United States $1,413
Typical yearly household income
  • Clarksdale $36,382
  • Coahoma $37,461
  • Mississippi $56,447
  • United States $80,734
See the full table
Clarksdale next to Coahoma County and Mississippi
Measure Clarksdale Coahoma County Mississippi U.S.
Typical home value $83,900 $90,300 $169,800 $332,700
Typical monthly rent $774 $749 $954 $1,413
Typical yearly household income $36,382 $37,461 $56,447 $80,734
Households that own their home 46% 52% 70% 65%
Typical yearly property tax $1,342 $1,012 $1,215 $3,119
Effective property tax rate 1.6% 1.12% 0.72% 0.94%
Renters with high rent for their income 54% 53% 51% 51%

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

For a typical $83,900 home in Clarksdale, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Clarksdale's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $742a month

    Least cash to close
    Down payment
    $2,937
    Cash to close
    $5,454
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $37

  • Conventional, 5% down $727a month

    Down payment
    $4,195
    Cash to close
    $6,712
    Rate
    7.18%
    Mortgage insurance
    PMI · $40

  • Conventional, 20% down, no PMI $602a month

    Down payment
    $16,780
    Cash to close
    $19,297
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $679a month

    Down payment
    $12,585
    Cash to close
    $15,102
    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 Clarksdale and for Coahoma County.

Property tax

Effective rate in Clarksdale

1.6%of the home’s value each year

$1,342 a year for the typical owner in Clarksdale.

  • Clarksdale 1.6%
  • Coahoma 1.12%
  • Mississippi 0.72%

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

Exemptions and deadlines in Mississippi

Flood risk in Coahoma County

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

Homes in the high-risk zone
2.3%
200
Of those, with NFIP insurance
35%
County Mississippi U.S.
Homes in the high-risk zone 2.3% 7.6% 3.5%
Of those, with NFIP insurance 35% 33% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Clarksdale

Typical rent in Clarksdale is $774 a month: 3% above the county. In Clarksdale, 54% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Coahoma 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 Coahoma 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 $751 $14.44 $30,040
1 bedroom $780 $15.00 $31,200
2 bedrooms $905 $17.40 $36,200
3 bedrooms $1,253 $24.10 $50,120
4 bedrooms $1,451 $27.90 $58,040

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 Clarksdale

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Clarksdale is in ZIP code 38614.

For 2 bedrooms it is $940: $35 more than the fair market rent for Coahoma County ($905).

  • 38614 $940$1,300

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

HUD lists 14 buildings with rents for lower incomes in Clarksdale. These are the largest.

  • Windcrest Manor 2401 6th St, Clarksdale 38614 296 low-income homes · For older adults · Run by The Housing Authority of the City of Clarksdale · Average payment: $373 a month · Average wait: 17 months (601) 627-3312
  • Higgins Mclaurin Arms 905 Sasse St, Clarksdale 38614 105 low-income homes · For families (601) 627-3072
  • Sunflower Lane Apts 2105 Center ST, Clarksdale 38614 104 low-income homes · For families (601) 624-8098
  • Sunflower Lane Apts 2106 Center St, Clarksdale 38614 103 homes, 102 low-income · 1 bd: 16 · 2 bd: 40 · 3 bd: 32 · 4 bd: 16 · In service since 1997
  • Chapel Hills HTS 953 Gooden Cv, Clarksdale 38614 100 low-income homes · For families (662) 624-5540

See all 19 buildings in Coahoma County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Clarksdale

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.

There is 1 HUD-approved agency with an office in Coahoma County; none says it serves in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Clarksdale

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

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

  • Southern Bancorp Community Partners

    875 S State St, Clarksdale · 1 miles away

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

  • Tunica Co. Community Dev. Coalition

    1097 Antioch St, Tunica · 36 miles away

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

  • North Mississippi Rural Legal Services

    493 Ryland Way, Oxford · 62 miles away · Spanish

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

Every agency in Coahoma County All counseling agencies in Mississippi

Help in Spanish near Clarksdale

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 Clarksdale

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

  • The Housing Authority of the City of Clarksdale Public housing (662) 624-8030

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

Cities

Nearby cities

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

Everything about Coahoma County Housing in Mississippi

Neighboring counties

If Coahoma 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 Clarksdale.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Clarksdale

Short answers with the numbers for Clarksdale and all of Coahoma 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 Clarksdale?

The typical home value in Clarksdale is $83,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Coahoma County it is $90,300.

How much does it cost to rent in Clarksdale?

Typical rent in Clarksdale is $774 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Coahoma County is $905.

What is the FHA loan limit in Clarksdale?

Clarksdale uses the FHA limit for all of Coahoma 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 Clarksdale?

The typical homeowner in Clarksdale pays $1,342 a year, according to the U.S. Census Bureau. That is 1.6% of the home’s value; in Coahoma County, the rate is 1.12%.

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

There is 1 HUD-approved counseling agency with an office in Coahoma County. 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).