Starkville, MS mortgage & affordability calculator
The typical home in Starkville, MS is worth about $195,000.
With 20% down that's a loan near $156,000 — the calculator
is pre-filled with that figure. Mississippi State University dominates Starkville's economy and housing market, with a large student rental base that keeps vacancy low and the college's agricultural and veterinary research programs anchoring the rest of local employment.
$1,012.85 / month
Total interest
$208,626
Total paid
$364,626
Payoff
30.0 years
How much you need to earn
Starkville, MS's median household income is about
$46,000 a year. Under standard 28/36
lending rules that supports a home price around
$152,173 with 20% down —
below the $195,000 typical price, so many buyers need a larger down payment, a co-borrower, or a longer commute.
Typical asking rent in Starkville, MS is about $950 a month, so owning the median home costs roughly
$401 more per month before tax
effects, maintenance, and any change in home value.
Frequently asked questions
What is a typical mortgage payment in Starkville, MS?
On the metro's roughly $195,000 typical home with 20% down, the loan is about $156,000. Principal and interest run near $1,013 a month at today's rate, and Starkville, MS's property tax plus insurance add about $339, for a full payment near $1,351.
Can I afford a home in Starkville, MS on the median income?
The median household income is about $46,000 a year. Under standard 28/36 lending rules that supports a home price around $152,173 with 20% down — below the $195,000 typical price, so buyers often need a larger down payment or a co-borrower.
Is it cheaper to rent or buy in Starkville, MS?
Typical asking rent is about $950 a month. The full owner payment on a median home is near $1,351, so owning costs roughly $401 more per month before tax effects, maintenance, and any appreciation.
How much are property taxes in Starkville, MS?
The effective property tax rate in the core county is about 0.75% of market value — roughly $1,463 a year on the typical home. Your exact rate depends on the municipality and any exemptions.
Are home prices in Starkville, MS rising or falling?
Home values are up about 2% over the past year. Mississippi State University dominates Starkville's economy and housing market, with a large student rental base that keeps vacancy low and the college's agricultural and veterinary research programs anchoring the rest of local employment.