Español

Este sitio también está en español. Leer en español

City · 6,704 residents · Marshall County, Mississippi

Holly Springs , Mississippi

In Holly Springs, a typical home is worth $109,600 and typical rent is $773 a month. Compared with all of Marshall County, the typical home value is 35% lower, typical household income is 15% lower, and the share of households that own their home is 8 points lower.

WhatsApp

  • Typical home value

    $109,600

    35% below the county

    35% below Mississippi

    • Holly Springs
    • Marshall
    • Mississippi

  • Typical rent

    $773a month

    11% below the county

    19% below Mississippi

    • Holly Springs
    • Marshall
    • Mississippi

  • Typical household income

    $45,462a year

    15% below the county

    19% below Mississippi

    • Holly Springs
    • Marshall
    • Mississippi

  • Households that own their home

    72%

    8 points below the county

    2 points above Mississippi

    • Holly Springs
    • Marshall
    • Mississippi

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

Market now, with Zillow data

Zillow data
Typical home value
$172,409
3.5% less than 12 months ago

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

Holly Springs is in Marshall 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 Marshall County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Holly Springs apart

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

  1. The typical home in Holly Springs is worth $109,600, 35% less than in Marshall County as a whole ($167,900).

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Holly Springs fell 3.5%; in Mississippi, it rose 2.2%.

  3. 72% of households in Holly Springs own their home, against 79% in Marshall County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Holly Springs

What homes there are in Holly Springs, 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

The detached house rules in Holly Springs: 82% of homes, more than in Marshall County (70%).

Year built

Homes in Holly Springs are older: the typical year built is 1979; in Marshall County, 1992.

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

$1,173 a month

Marshall County: $1,384 a month

Without a mortgage

$475 a month

Marshall County: $513 a month

Owners with a mortgage

59%

Marshall County: 52%

Owning costs less in Holly Springs: with a mortgage, the typical cost is $1,173 a month; in Marshall County, $1,384. Without one, $475.

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 Holly Springs gained value more slowly than in Marshall County: 29% since 2015–2019, against 56%.

Rent in Holly Springs moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureHolly SpringsMarshall 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 2.032.442.492.53
Drive alone 89%86%82%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home Unreliable estimate4%6%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

On average, a household in Holly Springs has 2.03 people, fewer than in Marshall County (2.44).

To get to work, 89% of workers in Holly Springs drive alone; in Marshall County, 86%.

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 Holly Springs?

A typical home is within reach of the typical income

We start with a typical home in Holly Springs, worth $109,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Holly Springs, which is $45,462 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Holly Springs. 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 $3,836 (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

$929

at 7.18% · 30 years

Loan amount
$107,615
Total interest
$154,833
Paid off in
November 2056

Includes $1,851 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,061 a month

    Your payment · 25%

  • Tight

    $1,061 to $1,364 a month

  • Hard

    more than $1,364 a month

Compared with the typical household income in Holly Springs ($45,462 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$929
Principal & interest$729
Property tax$106
Home insurance$46
FHA mortgage insurance (MIP)$48

You need at least $3,836 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

Holly Springs and Marshall County

Holly Springs is in Marshall 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).

Holly Springs's own numbers

Typical home value
$109,600
Typical monthly rent
$773
Typical yearly household income
$45,462
Households that own their home
72%
Effective property tax rate
1.16%

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

Numbers for all of Marshall County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,106
Price change over 5 years (FHFA)
+55%
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 Marshall County.

Everything about Marshall County

Buying

Buying a home in Holly Springs

A typical home in Holly Springs is worth $109,600: 35% below the county and 35% below Mississippi. With the typical household income in Holly Springs ($45,462 a year), a typical home costs 2.4 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.

  • Holly Springs 2.4 years
  • Marshall 3.1 years
  • Mississippi 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Marshall County

According to FHFA’s house price index, home prices in Marshall County rose 95% in the 10 years through 2025.

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

Period County Mississippi U.S.
Last year (2025) +3.2% +3.5% +2.9%
5 years (2020–2025) +55% +42% +47%
10 years (2015–2025) +95% +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

Holly Springs next to Marshall 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
  • Holly Springs $109,600
  • Marshall $167,900
  • Mississippi $169,800
  • United States $332,700
Typical monthly rent
  • Holly Springs $773
  • Marshall $868
  • Mississippi $954
  • United States $1,413
Typical yearly household income
  • Holly Springs $45,462
  • Marshall $53,458
  • Mississippi $56,447
  • United States $80,734
See the full table
Holly Springs next to Marshall County and Mississippi
Measure Holly Springs Marshall County Mississippi U.S.
Typical home value $109,600 $167,900 $169,800 $332,700
Typical monthly rent $773 $868 $954 $1,413
Typical yearly household income $45,462 $53,458 $56,447 $80,734
Households that own their home 72% 79% 70% 65%
Typical yearly property tax $1,273 $1,213 $1,215 $3,119
Effective property tax rate 1.16% 0.72% 0.72% 0.94%
Renters with high rent for their income 53% 61% 51% 51%

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

For a typical $109,600 home in Holly Springs, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Holly Springs's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $929a month

    Least cash to close
    Down payment
    $3,836
    Cash to close
    $7,124
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $48

  • Conventional, 5% down $909a month

    Down payment
    $5,480
    Cash to close
    $8,768
    Rate
    7.18%
    Mortgage insurance
    PMI · $52

  • Conventional, 20% down, no PMI $746a month

    Down payment
    $21,920
    Cash to close
    $25,208
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $847a month

    Down payment
    $16,440
    Cash to close
    $19,728
    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 Holly Springs and for Marshall County.

Property tax

Effective rate in Holly Springs

1.16%of the home’s value each year

$1,273 a year for the typical owner in Holly Springs.

  • Holly Springs 1.16%
  • Marshall 0.72%
  • Mississippi 0.72%

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

Exemptions and deadlines in Mississippi

Flood risk in Marshall County

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

Homes in the high-risk zone
1.3%
251
Of those, with NFIP insurance
5.6%
County Mississippi U.S.
Homes in the high-risk zone 1.3% 7.6% 3.5%
Of those, with NFIP insurance 5.6% 33% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Holly Springs

Typical rent in Holly Springs is $773 a month: 11% below the county. In Holly Springs, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Marshall County, by unit size. To pay the 2-bedroom one ($1,106 a month) without spending more than 30% of your income, you would need to earn $21.27 an hour working full time.

HUD fair market rent for all of Marshall 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 $840 $16.15 $33,600
1 bedroom $845 $16.25 $33,800
2 bedrooms $1,106 $21.27 $44,240
3 bedrooms $1,318 $25.35 $52,720
4 bedrooms $1,849 $35.56 $73,960

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 Holly Springs

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Holly Springs is in ZIP code 38635.

For 2 bedrooms it is $1,000: $106 less than the fair market rent for Marshall County ($1,106).

  • 38635 $1,000$1,210

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

HUD lists 9 buildings with rents for lower incomes in Holly Springs. These are the largest.

  • Spring Gardens Apartments 185 W Woodward Ave, Holly Springs 38635 100 low-income homes · For families (601) 252-2440
  • Holly Homes Valley 250 S Chesterman St, Holly Springs 38635 90 low-income homes · Run by The Housing Authority of the City of Holly Springs · Average payment: $295 a month · Average wait: 13 months (601) 252-2971
  • Southern Villas Apts 360 West St, Holly Springs 38635 50 low-income homes · 1 bd: 18 · 2 bd: 28 · 3 bd: 4 · In service since 2001 · For people with disabilities, families (601) 252-4603
  • Murphy Lane 102 Murphy LN, Holly Springs 38635 36 low-income homes · 2 bd: 36 · In service since 2013 · For families
  • Church Court West 1100 Church Ct, Holly Springs 38635 32 low-income homes · In service since 2015 · For families

See all 13 buildings in Marshall County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Holly Springs

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

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Holly Springs

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

The HUD-approved agencies closest to the center of Holly Springs, 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 · 27 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 · 54 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 · 77 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 Holly Springs

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 Holly Springs

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

  • The Housing Authority of the City of Holly Springs Public housing (601) 252-2971

All housing agencies in Mississippi Source: HUD

Cities

Nearby cities

The cities closest to Holly Springs, with the typical home value.

Everything about Marshall County Housing in Mississippi

Neighboring counties

If Marshall 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 Holly Springs.

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

Questions

Housing questions about Holly Springs

Short answers with the numbers for Holly Springs and all of Marshall 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 Holly Springs?

The typical home value in Holly Springs is $109,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Marshall County it is $167,900.

How much does it cost to rent in Holly Springs?

Typical rent in Holly Springs is $773 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Marshall County is $1,106.

What is the FHA loan limit in Holly Springs?

Holly Springs uses the FHA limit for all of Marshall 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 Holly Springs?

The typical homeowner in Holly Springs pays $1,273 a year, according to the U.S. Census Bureau. That is 1.16% of the home’s value; in Marshall County, the rate is 0.72%.

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

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