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City · 5,806 residents · Pontotoc County, Mississippi

Pontotoc , Mississippi

In Pontotoc, a typical home is worth $155,800 and typical rent is $803 a month. Compared with all of Pontotoc County, typical household income is 10% lower, typical rent is 7% lower, and the share of households that own their home is 16 points lower.

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  • Typical home value

    $155,800

    About the same as the county

    8% below Mississippi

    • Pontotoc
    • County
    • Mississippi

  • Typical rent

    $803a month

    7% below the county

    16% below Mississippi

    • Pontotoc
    • County
    • Mississippi

  • Typical household income

    $46,167a year

    10% below the county

    18% below Mississippi

    • Pontotoc
    • County
    • Mississippi

  • Households that own their home

    54%

    16 points below the county

    16 points below Mississippi

    • Pontotoc
    • County
    • Mississippi

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

Market now, with Zillow data

Zillow data
Typical home value
$205,668
6.9% more than 12 months ago

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

Pontotoc is in Pontotoc 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 Pontotoc County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Pontotoc apart

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

  1. 54% of households in Pontotoc own their home, against 70% in Pontotoc County.

  2. Nearby, in Ripley, the typical home value is $117,200: 25% less than in Pontotoc ($155,800).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Pontotoc rose 6.9%; in Mississippi, it rose 2.2%.

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

The homes here

Housing in Pontotoc

What homes there are in Pontotoc, 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 Pontotoc, 7 in 10 homes are single-family detached houses; in Pontotoc County, 7.

Year built

Homes in Pontotoc are older: the typical year built is 1972; in Pontotoc County, 1989.

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

$1,379 a month

Pontotoc County: $1,240 a month

Without a mortgage

$462 a month

Pontotoc County: $385 a month

Owners with a mortgage

47%

Pontotoc County: 45%

In Pontotoc, 47% of owners have a mortgage, and their typical cost is $1,379 a month, against $1,240 in Pontotoc County. Without one it drops to $462.

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 Pontotoc stayed about the same since 2015–2019: the Census sees no clear change.

The typical rent in Pontotoc 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

MeasurePontotocPontotoc 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 2.702.652.492.53
Drive alone 89%87%82%69%
Carpool Unreliable estimate9%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 estimateUnreliable estimate1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Pontotoc look like those in Pontotoc County: 2.70 people on average.

To get to work, 89% of workers in Pontotoc drive alone; in Pontotoc County, 87%.

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 Pontotoc?

A typical home is tight for the typical income

We start with a typical home in Pontotoc, worth $155,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Pontotoc, which is $46,167 a year. For that payment to be 28% of income, a household would need to earn about $50,149 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Pontotoc. 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 $5,453 (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

$1,245

at 7.18% · 30 years

Loan amount
$152,978
Total interest
$220,100
Paid off in
November 2056

Includes $2,631 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,077 a month

  • Tight

    $1,077 to $1,385 a month

    Your payment · 32%

  • Hard

    more than $1,385 a month

Compared with the typical household income in Pontotoc ($46,167 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,245
Principal & interest$1,036
Property tax$75
Home insurance$65
FHA mortgage insurance (MIP)$69

You need at least $5,453 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

Pontotoc and Pontotoc County

Pontotoc is in Pontotoc 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).

Pontotoc's own numbers

Typical home value
$155,800
Typical monthly rent
$803
Typical yearly household income
$46,167
Households that own their home
54%

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

Numbers for all of Pontotoc County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$923
Price change over 5 years (FHFA)
+40%
Homes in a high flood-risk zone
1%

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 Pontotoc County.

Everything about Pontotoc County

Buying

Buying a home in Pontotoc

A typical home in Pontotoc is worth $155,800: about the same as the county and 8% below Mississippi. With the typical household income in Pontotoc ($46,167 a year), a typical home costs 3.4 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.

  • Pontotoc 3.4 years
  • County 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 Pontotoc County

According to FHFA’s house price index, home prices in Pontotoc County rose 64% in the 10 years through 2025.

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

Period County Mississippi U.S.
Last year (2025) −2.1% +3.5% +2.9%
5 years (2020–2025) +40% +42% +47%
10 years (2015–2025) +64% +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

Pontotoc next to Pontotoc 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
  • Pontotoc $155,800
  • County $157,100
  • Mississippi $169,800
  • United States $332,700
Typical monthly rent
  • Pontotoc $803
  • County $864
  • Mississippi $954
  • United States $1,413
Typical yearly household income
  • Pontotoc $46,167
  • County $51,484
  • Mississippi $56,447
  • United States $80,734
See the full table
Pontotoc next to Pontotoc County and Mississippi
Measure Pontotoc Pontotoc County Mississippi U.S.
Typical home value $155,800 $157,100 $169,800 $332,700
Typical monthly rent $803 $864 $954 $1,413
Typical yearly household income $46,167 $51,484 $56,447 $80,734
Households that own their home 54% 70% 70% 65%
Typical yearly property tax $738 $911 $1,215 $3,119
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 Pontotoc 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 Pontotoc

For a typical $155,800 home in Pontotoc, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, an example home insurance and mortgage insurance when it applies. It leaves out property tax because the Census Bureau doesn't publish Pontotoc's rate.

  • FHA, 3.5% down $1,170a month

    Least cash to close
    Down payment
    $5,453
    Cash to close
    $10,127
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $69

  • Conventional, 5% down $1,142a month

    Down payment
    $7,790
    Cash to close
    $12,464
    Rate
    7.18%
    Mortgage insurance
    PMI · $74

  • Conventional, 20% down, no PMI $909a month

    Down payment
    $31,160
    Cash to close
    $35,834
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,053a month

    Down payment
    $23,370
    Cash to close
    $28,044
    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 Pontotoc and for Pontotoc County.

Flood risk in Pontotoc County

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

Homes in the high-risk zone
1%
141
Of those, with NFIP insurance
4.3%
County Mississippi U.S.
Homes in the high-risk zone 1% 7.6% 3.5%
Of those, with NFIP insurance 4.3% 33% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Pontotoc

Typical rent in Pontotoc is $803 a month: 7% below the county. In Pontotoc, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Pontotoc County, by unit size. To pay the 2-bedroom one ($923 a month) without spending more than 30% of your income, you would need to earn $17.75 an hour working full time.

HUD fair market rent for all of Pontotoc 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 $689 $13.25 $27,560
1 bedroom $848 $16.31 $33,920
2 bedrooms $923 $17.75 $36,920
3 bedrooms $1,191 $22.90 $47,640
4 bedrooms $1,543 $29.67 $61,720

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 Pontotoc

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pontotoc is in ZIP code 38863.

For 2 bedrooms it is $1,120: $197 more than the fair market rent for Pontotoc County ($923).

  • 38863 $1,120$1,390

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

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

  • Pontotoc Ha Pontotoc 38863 80 low-income homes · Run by The Housing Authority of the City of Pontotoc · Average payment: $381 a month · Average wait: 67 months (662) 489-1312
  • Cherry Creek 2077 Highway 345, Pontotoc 38863 48 low-income homes · 3 bd: 48 · In service since 2020 · For families
  • Pontotoc Park Apts 180 Hud St, Pontotoc 38863 36 low-income homes · 1 bd: 31 · 2 bd: 5 · In service since 1994 · For older adults, people with disabilities
  • Grove Apts 411 W Reynolds St, Pontotoc 38863 32 homes, 30 low-income · 3 bd: 32 · In service since 2001 · For people with disabilities, families

See all 5 buildings in Pontotoc County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Pontotoc

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 Pontotoc 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 Pontotoc

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

The HUD-approved agencies closest to the center of Pontotoc, 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 · 30 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 · 84 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 · 90 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 Pontotoc

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 Pontotoc

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

  • The Housing Authority of the City of Pontotoc Public housing (662) 489-1312

All housing agencies in Mississippi Source: HUD

Cities

Nearby cities

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

Everything about Pontotoc County Housing in Mississippi

Neighboring counties

If Pontotoc 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 Pontotoc.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Pontotoc

Short answers with the numbers for Pontotoc and all of Pontotoc 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 Pontotoc?

The typical home value in Pontotoc is $155,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Pontotoc County it is $157,100.

How much does it cost to rent in Pontotoc?

Typical rent in Pontotoc is $803 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Pontotoc County is $923.

What is the FHA loan limit in Pontotoc?

Pontotoc uses the FHA limit for all of Pontotoc 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 Pontotoc?

The typical homeowner in Pontotoc pays $738 a year, according to the U.S. Census Bureau. That is Data not available for this place of the home’s value; in Pontotoc County, the rate is 0.58%.

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

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