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City · 8,139 residents · Jackson County, Mississippi

St. Martin , Mississippi

In St. Martin, a typical home is worth $172,400 and typical rent is $1,231 a month. Compared with all of Jackson County, typical household income is 17% lower, typical rent is 12% higher, and the share of households that own their home is 19 points lower.

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  • Typical home value

    $172,400

    11% below the county

    About the same as Mississippi

    • St. Martin
    • Jackson
    • Mississippi

  • Typical rent

    $1,231a month

    12% above the county

    29% above Mississippi

    • St. Martin
    • Jackson
    • Mississippi

  • Typical household income

    $55,000a year

    17% below the county

    3% below Mississippi

    • St. Martin
    • Jackson
    • Mississippi

  • Households that own their home

    54%

    19 points below the county

    16 points below Mississippi

    • St. Martin
    • Jackson
    • Mississippi

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

St. Martin is in Jackson 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 Jackson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets St. Martin apart

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

  1. 54% of households in St. Martin own their home, against 73% in Jackson County.

  2. The typical household income in St. Martin is $55,000, 17% less than in Jackson County as a whole ($66,201).

  3. St. Martin has the 5th largest share of rent-burdened renters of the 63 cities in Mississippi with more than 5,000 people (63%).

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

The homes here

Housing in St. Martin

What homes there are in St. Martin, 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 are the majority in St. Martin (62%), but less so than in Jackson County (74%).

Year built

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

$1,383 a month

Jackson County: $1,550 a month

Without a mortgage

$432 a month

Jackson County: $470 a month

Owners with a mortgage

57%

Jackson County: 55%

Owning costs less in St. Martin: with a mortgage, the typical cost is $1,383 a month; in Jackson County, $1,550. Without one, $432.

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 St. Martin gained value more slowly than in Jackson County: 37% since 2015–2019, against 42%.

Rents in St. Martin rose faster than in Jackson County: 37% since 2015–2019, against 25%.

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

MeasureSt. MartinJackson CountyMississippiUnited States
Rental vacancy Unreliable estimate10.8%8.2%5.5%
Homeowner vacancy Unreliable estimate1.4%0.8%0.9%
More than one person per room Unreliable estimate3.0%2.2%3.4%
People per household 2.682.502.492.53
Drive alone 85%82%82%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%1%3%
Work from home Unreliable estimate7%6%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.68 on average, against 2.50 in Jackson County.

To get to work, 85% of workers in St. Martin drive alone; in Jackson County, 82%.

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 St. Martin?

A typical home is tight for the typical income

We start with a typical home in St. Martin, worth $172,400, 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 St. Martin, which is $55,000 a year. For that payment to be 28% of income, a household would need to earn about $59,125 a year.

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

Your numbers

Local data
$

Starts at the typical home value in St. Martin. 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 $6,034 (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

$1,380

at 7.18% · 30 years

Loan amount
$169,277
Total interest
$243,550
Paid off in
November 2056

Includes $2,911 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,283 a month

  • Tight

    $1,283 to $1,650 a month

    Your payment · 30%

  • Hard

    more than $1,650 a month

Compared with the typical household income in St. Martin ($55,000 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,380
Principal & interest$1,147
Property tax$85
Home insurance$72
FHA mortgage insurance (MIP)$76

You need at least $6,034 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

St. Martin and Jackson County

St. Martin is in Jackson 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).

St. Martin's own numbers

Typical home value
$172,400
Typical monthly rent
$1,231
Typical yearly household income
$55,000
Households that own their home
54%
Effective property tax rate
0.59%

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

Numbers for all of Jackson County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,099
Price change over 5 years (FHFA)
+45%
Homes in a high flood-risk zone
25%

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 Jackson County.

Everything about Jackson County

Buying

Buying a home in St. Martin

A typical home in St. Martin is worth $172,400: 11% below the county and about the same as Mississippi. With the typical household income in St. Martin ($55,000 a year), a typical home costs 3.1 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.

  • St. Martin 3.1 years
  • Jackson 2.9 years
  • Mississippi 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Jackson County

According to FHFA’s house price index, home prices in Jackson County rose 72% in the 10 years through 2025.

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

Period County Mississippi U.S.
Last year (2025) +3.9% +3.5% +2.9%
5 years (2020–2025) +45% +42% +47%
10 years (2015–2025) +72% +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

St. Martin next to Jackson 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
  • St. Martin $172,400
  • Jackson $193,100
  • Mississippi $169,800
  • United States $332,700
Typical monthly rent
  • St. Martin $1,231
  • Jackson $1,101
  • Mississippi $954
  • United States $1,413
Typical yearly household income
  • St. Martin $55,000
  • Jackson $66,201
  • Mississippi $56,447
  • United States $80,734
See the full table
St. Martin next to Jackson County and Mississippi
Measure St. Martin Jackson County Mississippi U.S.
Typical home value $172,400 $193,100 $169,800 $332,700
Typical monthly rent $1,231 $1,101 $954 $1,413
Typical yearly household income $55,000 $66,201 $56,447 $80,734
Households that own their home 54% 73% 70% 65%
Typical yearly property tax $1,019 $1,366 $1,215 $3,119
Effective property tax rate 0.59% 0.71% 0.72% 0.94%
Renters with high rent for their income 63% 51% 51% 51%

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

For a typical $172,400 home in St. Martin, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, St. Martin's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,380a month

    Least cash to close
    Down payment
    $6,034
    Cash to close
    $11,206
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $76

  • Conventional, 5% down $1,348a month

    Down payment
    $8,620
    Cash to close
    $13,792
    Rate
    7.18%
    Mortgage insurance
    PMI · $82

  • Conventional, 20% down, no PMI $1,091a month

    Down payment
    $34,480
    Cash to close
    $39,652
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,250a month

    Down payment
    $25,860
    Cash to close
    $31,032
    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 St. Martin and for Jackson County.

Property tax

Effective rate in St. Martin

0.59%of the home’s value each year

$1,019 a year for the typical owner in St. Martin.

  • St. Martin 0.59%
  • Jackson 0.71%
  • Mississippi 0.72%

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

Exemptions and deadlines in Mississippi

Flood risk in Jackson County

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

Homes in the high-risk zone
25%
13,969
Of those, with NFIP insurance
55%
County Mississippi U.S.
Homes in the high-risk zone 25% 7.6% 3.5%
Of those, with NFIP insurance 55% 33% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in St. Martin

Typical rent in St. Martin is $1,231 a month: 12% above the county. In St. Martin, 63% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Jackson County, by unit size. To pay the 2-bedroom one ($1,099 a month) without spending more than 30% of your income, you would need to earn $21.13 an hour working full time.

HUD fair market rent for all of Jackson 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 $960 $18.46 $38,400
1 bedroom $966 $18.58 $38,640
2 bedrooms $1,099 $21.13 $43,960
3 bedrooms $1,506 $28.96 $60,240
4 bedrooms $1,759 $33.83 $70,360

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 St. Martin

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). St. Martin is in ZIP code 39532.

For 2 bedrooms it is $1,200: $101 more than the fair market rent for Jackson County ($1,099).

  • 39532 $1,200$1,580

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

Free help

Help to buy or rent in St. Martin

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 Jackson 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 St. Martin

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

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

  • Mercy Housing and Human Development

    1135 Ford St, Gulfport · 9 miles away · Spanish

    Also serves in Vietnamese.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (228) 896-1945

  • Renaissance Community Loan Fund

    8917 Lorraine Rd, Gulfport · 10 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (228) 896-3386

  • Hancock Housing Resource Center

    887 Washington St, Bay Saint Louis · 31 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (228) 463-8887

All counseling agencies in Mississippi

Help in Spanish near St. Martin

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 St. Martin

HUD lists no housing authority with an office in Jackson County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Mississippi Source: HUD

Cities

Other cities in Jackson County

These cities are also in Jackson County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Jackson County Housing in Mississippi

Nearby cities

The cities closest to St. Martin, with the typical home value.

Neighboring counties

If Jackson 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 St. Martin.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about St. Martin

Short answers with the numbers for St. Martin and all of Jackson 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 St. Martin?

The typical home value in St. Martin is $172,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jackson County it is $193,100.

How much does it cost to rent in St. Martin?

Typical rent in St. Martin is $1,231 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jackson County is $1,099.

What is the FHA loan limit in St. Martin?

St. Martin uses the FHA limit for all of Jackson 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 St. Martin?

The typical homeowner in St. Martin pays $1,019 a year, according to the U.S. Census Bureau. That is 0.59% of the home’s value; in Jackson County, the rate is 0.71%.

Where can I find free help to buy or rent in St. Martin?

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