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City · 6,933 residents · Attala County, Mississippi

Kosciusko , Mississippi

In Kosciusko, a typical home is worth $112,400 and typical rent is $814 a month. Compared with all of Attala County, typical household income is 22% lower, the typical home value is 7% higher, and the share of households that own their home is 20 points lower.

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  • Typical home value

    $112,400

    7% above the county

    34% below Mississippi

    • Kosciusko
    • Attala
    • Mississippi

  • Typical rent

    $814a month

    About the same as the county

    15% below Mississippi

    • Kosciusko
    • Attala
    • Mississippi

  • Typical household income

    $40,085a year

    22% below the county

    29% below Mississippi

    • Kosciusko
    • Attala
    • Mississippi

  • Households that own their home

    55%

    20 points below the county

    15 points below Mississippi

    • Kosciusko
    • Attala
    • Mississippi

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

Market now, with Zillow data

Zillow data
Typical home value
$113,402
about the same as 12 months ago

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

Kosciusko is in Attala 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 Attala County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Kosciusko apart

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

  1. 55% of households in Kosciusko own their home, against 75% in Attala County.

  2. Nearby, in Louisville, the typical rent is $617: 24% less than in Kosciusko ($814).

  3. The typical household income in Kosciusko is $40,085, 22% less than in Attala County as a whole ($51,639).

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

The homes here

Housing in Kosciusko

What homes there are in Kosciusko, 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 Kosciusko: 84% of homes, more than in Attala County (75%).

Year built

In Kosciusko, half of the homes were built before 1974; in Attala County, before 1981.

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

About 73% of rented homes in Kosciusko cost less than HUD's 2-bedroom fair market rent for Attala County ($905).

With a mortgage

$886 a month

Attala County: $1,160 a month

Without a mortgage

$427 a month

Attala County: $406 a month

Owners with a mortgage

47%

Attala County: 36%

Owning costs less in Kosciusko: with a mortgage, the typical cost is $886 a month; in Attala County, $1,160. Without one, $427.

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 Kosciusko rose 16% since 2015–2019, less than in Attala County (30%).

Rents in Kosciusko rose faster than in Attala County: 73% since 2015–2019, against 62%.

While home values in Kosciusko changed +16% and rent +73%, the typical household income rose 51%.

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

MeasureKosciuskoAttala 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 2.692.592.492.53
Drive alone 76%80%82%69%
Carpool Unreliable estimate14%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 estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Kosciusko look like those in Attala County: 2.69 people on average.

To get to work, 76% of workers in Kosciusko drive alone; in Attala County, 80%.

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 Kosciusko?

A typical home is within reach of the typical income

We start with a typical home in Kosciusko, worth $112,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Kosciusko, which is $40,085 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Kosciusko. 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 $3,934 (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

$918

at 7.18% · 30 years

Loan amount
$110,364
Total interest
$158,788
Paid off in
November 2056

Includes $1,898 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $935 a month

    Your payment · 27%

  • Tight

    $935 to $1,203 a month

  • Hard

    more than $1,203 a month

Compared with the typical household income in Kosciusko ($40,085 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$918
Principal & interest$748
Property tax$74
Home insurance$47
FHA mortgage insurance (MIP)$50

You need at least $3,934 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

Kosciusko and Attala County

Kosciusko is in Attala 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).

Kosciusko's own numbers

Typical home value
$112,400
Typical monthly rent
$814
Typical yearly household income
$40,085
Households that own their home
55%
Effective property tax rate
0.79%

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

Numbers for all of Attala 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)
+30%
Homes in a high flood-risk zone
1.7%

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 Attala County.

Everything about Attala County

Buying

Buying a home in Kosciusko

A typical home in Kosciusko is worth $112,400: 7% above the county and 34% below Mississippi. With the typical household income in Kosciusko ($40,085 a year), a typical home costs 2.8 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.

  • Kosciusko 2.8 years
  • Attala 2.0 years
  • Mississippi 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Attala County

According to FHFA’s house price index, home prices in Attala County rose 33% in the 10 years through 2025.

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

Period County Mississippi U.S.
Last year (2025) +11.5% +3.5% +2.9%
5 years (2020–2025) +30% +42% +47%
10 years (2015–2025) +33% +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

Kosciusko next to Attala 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
  • Kosciusko $112,400
  • Attala $104,600
  • Mississippi $169,800
  • United States $332,700
Typical monthly rent
  • Kosciusko $814
  • Attala $825
  • Mississippi $954
  • United States $1,413
Typical yearly household income
  • Kosciusko $40,085
  • Attala $51,639
  • Mississippi $56,447
  • United States $80,734
See the full table
Kosciusko next to Attala County and Mississippi
Measure Kosciusko Attala County Mississippi U.S.
Typical home value $112,400 $104,600 $169,800 $332,700
Typical monthly rent $814 $825 $954 $1,413
Typical yearly household income $40,085 $51,639 $56,447 $80,734
Households that own their home 55% 75% 70% 65%
Typical yearly property tax $886 $707 $1,215 $3,119
Effective property tax rate 0.79% 0.68% 0.72% 0.94%
Renters with high rent for their income 59% 56% 51% 51%

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

For a typical $112,400 home in Kosciusko, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kosciusko's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $918a month

    Least cash to close
    Down payment
    $3,934
    Cash to close
    $7,306
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $50

  • Conventional, 5% down $898a month

    Down payment
    $5,620
    Cash to close
    $8,992
    Rate
    7.18%
    Mortgage insurance
    PMI · $53

  • Conventional, 20% down, no PMI $730a month

    Down payment
    $22,480
    Cash to close
    $25,852
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $834a month

    Down payment
    $16,860
    Cash to close
    $20,232
    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 Kosciusko and for Attala County.

Property tax

Effective rate in Kosciusko

0.79%of the home’s value each year

$886 a year for the typical owner in Kosciusko.

  • Kosciusko 0.79%
  • Attala 0.68%
  • Mississippi 0.72%

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

Exemptions and deadlines in Mississippi

Flood risk in Attala County

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

Homes in the high-risk zone
1.7%
139
Of those, with NFIP insurance
14%
County Mississippi U.S.
Homes in the high-risk zone 1.7% 7.6% 3.5%
Of those, with NFIP insurance 14% 33% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Kosciusko

Typical rent in Kosciusko is $814 a month: about the same as the county. In Kosciusko, 59% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Attala 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 Attala 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 Kosciusko

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kosciusko is in ZIP code 39090.

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

  • 39090 $920$1,190

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

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

  • Glendale Apts 948 F St, Kosciusko 39090 72 low-income homes · 1 bd: 12 · 2 bd: 22 · 3 bd: 24 · 4 bd: 14 · In service since 2010
  • Cannonade Apts 125 Cannonade St, Kosciusko 39090 75 homes, 71 low-income · For families (662) 289-1506
  • Redbud Hill 310 Hammond Cir, Kosciusko 39090 61 low-income homes · Run by The Housing Authority of Attala County · Average payment: $480 a month · Average wait: 9 months (662) 289-5181
  • Hickory Hills Apts 840 Highway 12 W, Kosciusko 39090 48 homes, 47 low-income · 1 bd: 6 · 2 bd: 18 · 3 bd: 24 · In service since 2007 · For people with disabilities, families
  • Swinney Apts 599 W Adams St, Kosciusko 39090 47 homes, 46 low-income · 1 bd: 8 · 2 bd: 39 · In service since 2009

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

Free help

Help to buy or rent in Kosciusko

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

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Kosciusko

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

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

  • NSC (naca Counseling Subsidiary) - Jackson, MS

    405 Briarwood Dr, Jackson · 57 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (601) 922-4008

  • Housing Education and Economic Development, Inc.

    3405 Medgar Evers Blvd, Jackson · 62 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (601) 981-1960

  • Mississippi Housing Partnership, Inc.

    1217 N West St, Jackson · 62 miles away

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 4 more
    (601) 969-1895

All counseling agencies in Mississippi

Help in Spanish near Kosciusko

2 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 Kosciusko

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

  • The Housing Authority of Attala County Public housing (662) 289-5181

All housing agencies in Mississippi Source: HUD

Cities

Nearby cities

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

Everything about Attala County Housing in Mississippi

Neighboring counties

If Attala 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 Kosciusko.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Kosciusko

Short answers with the numbers for Kosciusko and all of Attala 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 Kosciusko?

The typical home value in Kosciusko is $112,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Attala County it is $104,600.

How much does it cost to rent in Kosciusko?

Typical rent in Kosciusko is $814 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Attala County is $905.

What is the FHA loan limit in Kosciusko?

Kosciusko uses the FHA limit for all of Attala 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 Kosciusko?

The typical homeowner in Kosciusko pays $886 a year, according to the U.S. Census Bureau. That is 0.79% of the home’s value; in Attala County, the rate is 0.68%.

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

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