Market Overview
Home Prices in Charleston, MS
The median home value in Charleston, MS is $97,701 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 4.8% compared to a year ago and up 2.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Charleston are priced76% below average.
Over the past five years, Charleston home values have fallen by approximately16.8%, reflecting softening conditions in this market.
Price History
Charleston Home Price Trend
2021
$117,402
$117K
—
2022
$123,918
$124K
+5.6%
2023
$108,172
$108K
-12.7%
2024
$99,910
$100K
-7.6%
2025
$102,680
$103K
+2.8%
2026
$97,701
$98K
-4.8%
City Comparison
Charleston vs. National Median
🏠 Charleston
$97,701
National Median
$410,000
At $97,701, homes in Charleston cost 76% below the national median of $410,000. This makes Charleston a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Charleston?
20% Down Payment
$19,540
on $97,701
Monthly P&I
$510/mo
30-yr @ 6.8%
Total Monthly Est.
~$648/mo
incl. taxes & insurance
Income Needed
$25,920
gross annual (30% rule)
10% Down Option
$9,770
+ PMI applies
Loan Amount (20% dn)
$78,161
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Charleston, MS?
The median home value in Charleston is $97,701 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 4.8% year-over-year.
How much have home prices changed in Charleston?
Over the past year, home values in Charleston have decreased by 4.8%. Over five years, prices have fallen approximately 16.8%.
How much do I need to earn to buy a home in Charleston?
To comfortably afford the median home price of $97,701 with a 20% down payment ($19,540) at today's rates (6.8%), you'd need a gross annual income of approximately $25,920. This assumes keeping total housing costs at or below 30% of gross income.
How does Charleston compare to the national average home price?
The national median home value is approximately $410,000. At $97,701, homes in Charleston are 76% below the national average.