States › Mississippi › Pontotoc

Is Pontotoc, MS expensive to live in?

OKRent takes 23 cents of every $1 people earn here.
🏠 Rent per month (2026)$93847% lower than U.S. average
💵 Families earn per year (2026)$49,791about $4,149/month · 43% lower than U.S. average
🔑 House price$155,80053% lower than U.S. average

Rent here is among the lowest 10% of all U.S. cities. A typical house costs about 3.1 years of household income. Commutes are short, about 19.6 minutes.

How much money do I need?

To rent here comfortably, you should earn about $37,520 a year. That is $18 an hour at a full-time job.

Is rent cheaper than other Mississippi cities?

Yes. Rent here is cheaper than in most of Mississippi. It is number 16 of 66 cities from cheapest to most expensive.

Pontotoc
$938
Louisville
$649
Pass Christian
$1,261
Gulf Park Estates
$1,389
Ripley
$1,138
Forest
$947
Amory
$878

How much do households earn in Pontotoc?

Under $25k
27.4%
$25k–50k
25.9%
$50k–100k
27.2%
$100k–150k
7.5%
$150k+
4.4%

Share of households by yearly income. 11.9% of households earn $100,000 or more.

Rent by apartment size in Pontotoc

SizePontotocU.S. average
Studio$629$1,338
2 bedrooms$399$1,509
3 bedrooms$967$1,698

Median monthly rent plus utilities for all renters, by number of bedrooms.

How expensive is Pontotoc overall?

Everyday prices in Mississippi overall are 13% below the U.S. average (index 87.0, U.S. = 100).

Housing
56
Goods (food, clothes…)
96
Utilities
78
Other services
96
U.S. average
100

Source: U.S. Bureau of Economic Analysis, Regional Price Parities 2024. City-level data is not published for Pontotoc, so the Mississippi figure is shown.

Taxes and bills in Pontotoc

🏛️ Property tax$738a year · 0.47% of home value · U.S. $3,119
⚡ Electric bill$177a month (typical) · U.S. $156

Life in Pontotoc

Commute to work19.6 minU.S.: 26.4 min
College degree25.4%U.S.: 35.7%
Own their home53.8%U.S.: 65.2%
Below poverty line17.4%U.S.: 12.5%
Unemployment5.4%U.S.: 5.2%

Is it cheaper to rent or buy in Pontotoc?

Renting is cheaper right now: about $143 a month less.

Renting
$938
Owning
$1,081

Owning assumes a typical $155,800 home, 10% down, a 30-year loan at 6.5% and about 1.5% a year for taxes and insurance. You would also need $15,580 for the down payment.

Frequently asked questions

What is the average rent in Pontotoc, MS?

Renting in Pontotoc costs a median of about $938 a month in 2026, including utilities. The Mississippi median is $1,187.

How much do I need to make to live in Pontotoc?

To keep rent under 30% of income, you need about $37,520 a year, or $18 an hour at a full-time job.

Is Pontotoc cheap or expensive?

Pontotoc is rated OK: rent takes 22.6% of the typical household income of $49,791. It ranks 16th cheapest of 66 Mississippi cities we track.

How much are property taxes in Pontotoc?

The median homeowner in Pontotoc pays $738 a year in property taxes, about 0.47% of the median home value.

Is Pontotoc more expensive than the national average?

Overall prices in Mississippi are 13% below the U.S. average, according to the U.S. Bureau of Economic Analysis.

How much does a house cost in Pontotoc?

The median home value in Pontotoc is $155,800, about 3.1 times the typical yearly household income.

5,806 people live in Pontotoc. Numbers are typical (middle) values.