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City · 25,721 residents · Oktibbeha County, Mississippi

Starkville , Mississippi

In Starkville, a typical home is worth $299,900 and typical rent is $916 a month. Compared with all of Oktibbeha County, the typical home value is 26% higher, typical household income is 10% lower, and the share of households that own their home is 14 points lower.

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  • Typical home value

    $299,900

    26% above the county

    77% above Mississippi

    • Starkville
    • Oktibbeha
    • Mississippi

  • Typical rent

    $916a month

    About the same as the county

    4% below Mississippi

    • Starkville
    • Oktibbeha
    • Mississippi

  • Typical household income

    $42,125a year

    10% below the county

    25% below Mississippi

    • Starkville
    • Oktibbeha
    • Mississippi

  • Households that own their home

    34%

    14 points below the county

    36 points below Mississippi

    • Starkville
    • Oktibbeha
    • Mississippi

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

Market now, with Zillow data

Zillow data
Typical home value
$287,767
4.5% more than 12 months ago
Typical rent
$1,414 a month
3.4% more than 12 months ago

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

Starkville is in Oktibbeha 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 Oktibbeha County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Starkville apart

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

  1. Starkville has the 2nd lowest homeownership rate of the 67 cities in Mississippi with more than 5,000 people (34%).

  2. Nearby, in Philadelphia, the typical home value is $97,300: 68% less than in Starkville ($299,900).

  3. Nearby, in Louisville, the typical rent is $617: 33% less than in Starkville ($916).

  4. The typical home in Starkville is worth $299,900, 26% more than in Oktibbeha County as a whole ($237,700).

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

The homes here

Housing in Starkville

What homes there are in Starkville, 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 Starkville there is a bit of everything: no kind of home reaches half. The most common are detached houses (43%); in Oktibbeha County, 48%.

Year built

The typical year built in Starkville is 1990, about the same as in Oktibbeha County (1993).

There are fewer big homes in Starkville than in Oktibbeha County: 49% have 3 bedrooms or more, against 59%.

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

The FHA loan limit for Oktibbeha County is $541,287, and about 87% of owner-occupied homes in Starkville are worth less than that.

Monthly rent with utilities

Measured against HUD's 2-bedroom fair market rent ($1,024), about 66% of rented homes in Starkville cost less.

With a mortgage

$1,861 a month

Oktibbeha County: $1,521 a month

Without a mortgage

$531 a month

Oktibbeha County: $481 a month

Owners with a mortgage

54%

Oktibbeha County: 51%

Owning costs more in Starkville: with a mortgage, the typical cost is $1,861 a month; in Oktibbeha County, $1,521. Without one, $531.

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 Starkville rose 70% since 2015–2019, more than in Oktibbeha County (46%).

Rents in Starkville rose at about the same pace as in Oktibbeha County: 18% since 2015–2019, against 16%.

The typical household income in Starkville rose 20% over that time; home values changed +70% and rent +18%.

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

MeasureStarkvilleOktibbeha CountyMississippiUnited States
Rental vacancy 6.5%6.3%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 2.052.102.492.53
Drive alone 84%82%82%69%
Carpool 5%6%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike 2%4%1%3%
Work from home 7%7%6%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

In Starkville, the rental vacancy rate is 6.5%, about the same as in Oktibbeha County.

By size, households in Starkville look like those in Oktibbeha County: 2.05 people on average.

In Starkville, 84% of workers drive alone to work; in Oktibbeha 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 Starkville?

A typical home costs more than the typical income allows

We start with a typical home in Starkville, worth $299,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 70% of the typical household income in Starkville, which is $42,125 a year. For that payment to be 28% of income, a household would need to earn about $105,851 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Starkville. 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 $10,497 (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

$2,470

at 7.18% · 30 years

Loan amount
$294,468
Total interest
$423,670
Paid off in
November 2056

Includes $5,065 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $983 a month

  • Tight

    $983 to $1,264 a month

  • Hard

    more than $1,264 a month

    Your payment · 70%

Compared with the typical household income in Starkville ($42,125 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,470
Principal & interest$1,995
Property tax$217
Home insurance$125
FHA mortgage insurance (MIP)$133

You need at least $10,497 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

Starkville and Oktibbeha County

Starkville is in Oktibbeha 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).

Starkville's own numbers

Typical home value
$299,900
Typical monthly rent
$916
Typical yearly household income
$42,125
Households that own their home
34%
Effective property tax rate
0.87%

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

Numbers for all of Oktibbeha County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,024
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
5.4%

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 Oktibbeha County.

Everything about Oktibbeha County

Buying

Buying a home in Starkville

A typical home in Starkville is worth $299,900: 26% above the county and 77% above Mississippi. With the typical household income in Starkville ($42,125 a year), a typical home costs 7.1 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.

  • Starkville 7.1 years
  • Oktibbeha 5.1 years
  • Mississippi 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Oktibbeha County

According to FHFA’s house price index, home prices in Oktibbeha County rose 75% in the 10 years through 2025.

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

Period County Mississippi U.S.
Last year (2025) +7.6% +3.5% +2.9%
5 years (2020–2025) +49% +42% +47%
10 years (2015–2025) +75% +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

Starkville next to Oktibbeha 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
  • Starkville $299,900
  • Oktibbeha $237,700
  • Mississippi $169,800
  • United States $332,700
Typical monthly rent
  • Starkville $916
  • Oktibbeha $915
  • Mississippi $954
  • United States $1,413
Typical yearly household income
  • Starkville $42,125
  • Oktibbeha $46,695
  • Mississippi $56,447
  • United States $80,734
See the full table
Starkville next to Oktibbeha County and Mississippi
Measure Starkville Oktibbeha County Mississippi U.S.
Typical home value $299,900 $237,700 $169,800 $332,700
Typical monthly rent $916 $915 $954 $1,413
Typical yearly household income $42,125 $46,695 $56,447 $80,734
Households that own their home 34% 48% 70% 65%
Typical yearly property tax $2,621 $1,691 $1,215 $3,119
Effective property tax rate 0.87% 0.71% 0.72% 0.94%
Renters with high rent for their income 60% 60% 51% 51%

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

For a typical $299,900 home in Starkville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Starkville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,470a month

    Least cash to close
    Down payment
    $10,497
    Cash to close
    $19,494
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $133

  • Conventional, 5% down $2,415a month

    Down payment
    $14,995
    Cash to close
    $23,992
    Rate
    7.18%
    Mortgage insurance
    PMI · $142

  • Conventional, 20% down, no PMI $1,968a month

    Down payment
    $59,980
    Cash to close
    $68,977
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,245a month

    Down payment
    $44,985
    Cash to close
    $53,982
    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 Starkville and for Oktibbeha County.

Property tax

Effective rate in Starkville

0.87%of the home’s value each year

$2,621 a year for the typical owner in Starkville.

  • Starkville 0.87%
  • Oktibbeha 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 Oktibbeha County

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

Homes in the high-risk zone
5.4%
849
Of those, with NFIP insurance
24%
County Mississippi U.S.
Homes in the high-risk zone 5.4% 7.6% 3.5%
Of those, with NFIP insurance 24% 33% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Starkville

Typical rent in Starkville is $916 a month: about the same as the county. In Starkville, 60% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Oktibbeha County, by unit size. To pay the 2-bedroom one ($1,024 a month) without spending more than 30% of your income, you would need to earn $19.69 an hour working full time.

HUD fair market rent for all of Oktibbeha 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 $903 $17.37 $36,120
1 bedroom $941 $18.10 $37,640
2 bedrooms $1,024 $19.69 $40,960
3 bedrooms $1,341 $25.79 $53,640
4 bedrooms $1,346 $25.88 $53,840

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 Starkville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Starkville is in ZIP code 39759.

For 2 bedrooms it is $1,060: $36 more than the fair market rent for Oktibbeha County ($1,024).

  • 39759 $1,060$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 Starkville 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 Starkville

HUD lists 10 buildings with rents for lower incomes in Starkville. These are the largest.

  • Wood/Reed Street 4A McDowell St, Starkville 39759 244 low-income homes · Run by The Housing Authority of the City of Starkville · Average payment: $368 a month · Average wait: 16 months (662) 323-5536
  • Brookville Gardens 305 Everglade Ave, Starkville 39759 120 low-income homes · For families (601) 323-8116
  • Chandler Park Apts I 309 Reed Rd, Starkville 39759 98 homes, 97 low-income · 1 bd: 16 · 2 bd: 30 · 3 bd: 52 · In service since 2004 · For families
  • Ferndale Manor Apts.. 1 Lynn Ln, Starkville 39759 80 homes, 74 low-income · For families (662) 323-1535
  • Southgate Arms 135 Sand Rd, Starkville 39759 74 homes, 72 low-income · 2 bd: 26 · 3 bd: 47 · In service since 2002

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

Free help

Help to buy or rent in Starkville

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

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Starkville

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

The HUD-approved agencies closest to the center of Starkville, 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 · 75 miles away · Spanish

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

  • NSC (naca Counseling Subsidiary) - Jackson, MS

    405 Briarwood Dr, Jackson · 107 miles away · Spanish

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

  • Mississippi Housing Partnership, Inc.

    1217 N West St, Jackson · 112 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 Starkville

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 Starkville

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

  • The Housing Authority of the City of Starkville Public housing (662) 323-5536

All housing agencies in Mississippi Source: HUD

Cities

Nearby cities

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

Everything about Oktibbeha County Housing in Mississippi

Neighboring counties

If Oktibbeha 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 Starkville.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Starkville

Short answers with the numbers for Starkville and all of Oktibbeha 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 Starkville?

The typical home value in Starkville is $299,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Oktibbeha County it is $237,700.

How much does it cost to rent in Starkville?

Typical rent in Starkville is $916 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Oktibbeha County is $1,024.

What is the FHA loan limit in Starkville?

Starkville uses the FHA limit for all of Oktibbeha 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 Starkville?

The typical homeowner in Starkville pays $2,621 a year, according to the U.S. Census Bureau. That is 0.87% of the home’s value; in Oktibbeha County, the rate is 0.71%.

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

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