Market Overview
Home Prices in Pearl, MS
The median home value in Pearl, MS is $212,026 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.9% compared to a year ago and up 2.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Pearl are priced48% below average. Pearl is part of the Jackson, MS metro area.
Over the past five years, Pearl home values have risen by approximately27.8%, reflecting strong long-term appreciation in this market.
Price History
Pearl Home Price Trend
2020
$148,172
$148K
—
2021
$165,860
$166K
+11.9%
2022
$183,769
$184K
+10.8%
2023
$200,012
$200K
+8.8%
2024
$199,476
$199K
-0.3%
2025
$204,082
$204K
+2.3%
2026
$212,026
$212K
+3.9%
City Comparison
Pearl vs. National Median
🏠 Pearl
$212,026
National Median
$410,000
At $212,026, homes in Pearl cost 48% below the national median of $410,000. This makes Pearl a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Pearl?
20% Down Payment
$42,405
on $212,026
Monthly P&I
$1,106/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,405/mo
incl. taxes & insurance
Income Needed
$56,200
gross annual (30% rule)
10% Down Option
$21,203
+ PMI applies
Loan Amount (20% dn)
$169,621
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 Pearl, MS?
The median home value in Pearl is $212,026 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.9% year-over-year.
How much have home prices changed in Pearl?
Over the past year, home values in Pearl have increased by 3.9%. Over five years, prices have risen approximately 27.8%.
How much do I need to earn to buy a home in Pearl?
To comfortably afford the median home price of $212,026 with a 20% down payment ($42,405) at today's rates (6.8%), you'd need a gross annual income of approximately $56,200. This assumes keeping total housing costs at or below 30% of gross income.
How does Pearl compare to the national average home price?
The national median home value is approximately $410,000. At $212,026, homes in Pearl are 48% below the national average.
What metro area is Pearl part of?
Pearl is part of the Jackson, MS metropolitan area. Home prices and market conditions can vary across the broader metro region.