Market Overview
Home Prices in Pontotoc, MS
The median home value in Pontotoc, MS is $209,586 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 8.3% compared to a year ago and up 3.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Pontotoc are priced49% below average. Pontotoc is part of the Tupelo, MS metro area.
Over the past five years, Pontotoc home values have risen by approximately22.8%, reflecting strong long-term appreciation in this market.
Price History
Pontotoc Home Price Trend
City Comparison
Pontotoc vs. National Median
At $209,586, homes in Pontotoc cost 49% below the national median of $410,000. This makes Pontotoc a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Pontotoc?
20% Down Payment
$41,917
on $209,586
Monthly P&I
$1,093/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,388/mo
incl. taxes & insurance
Income Needed
$55,520
gross annual (30% rule)
10% Down Option
$20,959
+ PMI applies
Loan Amount (20% dn)
$167,669
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 Pontotoc, MS?
The median home value in Pontotoc is $209,586 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 8.3% year-over-year.
How much have home prices changed in Pontotoc?
Over the past year, home values in Pontotoc have increased by 8.3%. Over five years, prices have risen approximately 22.8%.
How much do I need to earn to buy a home in Pontotoc?
To comfortably afford the median home price of $209,586 with a 20% down payment ($41,917) at today's rates (6.8%), you'd need a gross annual income of approximately $55,520. This assumes keeping total housing costs at or below 30% of gross income.
How does Pontotoc compare to the national average home price?
The national median home value is approximately $410,000. At $209,586, homes in Pontotoc are 49% below the national average.
What metro area is Pontotoc part of?
Pontotoc is part of the Tupelo, MS metropolitan area. Home prices and market conditions can vary across the broader metro region.