Median home value in zip code 38863 (Pontotoc, MS) is $198,537, up 5.4% year over year. Part of the Tupelo, MS metropolitan area.

Home Value$198,537

YoY Change

+5.4%

Prices rising — worse for buyers.

Affordability

Enter your income for 38863 (Pontotoc).

Income (annual)

Down Payment

$39,707 on $198,537

Example: $75,000 household income. Change it above to see your own.

Affordable21.9% of income

Under the 28% guideline.

PITI$1,371

P/I21.9%

Afford$253K

Room+$55K

P&I $1,004Tax $134Ins $233

6.50% 30yr, 20% down, county tax + MS ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

38863 is part of the Tupelo, MS metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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