Pontotoc, MS housing market
The typical Pontotoc home is worth about $210,000, up 7.7% in a year, 6% above the Mississippi typical home.
Home values, sales, trends and how Pontotoc compares with the towns next door — updated as new data is published.
Pontotoc at a glance
Only 4 sales in May 2026: in a market this size, monthly medians swing a lot, so the typical value above is the steadier guide.
Typical home value, 2016–2026
Show as a table
| January | Pontotoc | Mississippi |
|---|---|---|
| 2017 | $158,000 | $138,000 |
| 2018 | $144,000 | $140,000 |
| 2019 | $146,000 | $144,000 |
| 2020 | $153,000 | $150,000 |
| 2021 | $162,000 | $162,000 |
| 2022 | $200,000 | $185,000 |
| 2023 | $184,000 | $188,000 |
| 2024 | $182,000 | $188,000 |
| 2025 | $195,000 | $195,000 |
| 2026 | $202,000 | $195,000 |
| August 2026 | $210,000 | $198,000 |
82 new homes permitted in 2025
Builders were permitted 82 new homes in Pontotoc in 2025: 14 single-family houses and 68 in buildings with two or more homes, worth about $2.2 million to build. That's 14 per 1,000 residents, faster than across Mississippi (4). Over the past 10 years, Pontotoc has permitted 531 homes in all.
Homes vs. people, 2010–2020
Between the 2010 and 2020 censuses, Pontotoc gained 15 residents while 271 new homes were permitted: about 0.1 new residents per new home. Building outpaced population growth, which usually means smaller households or homes used part of the year.
Residents: U.S. Census Bureau, 2010 and 2020 censuses. New homes: permits issued 2010–2019.
Show as a table
| Year | New homes | Single-family | 2+ per building | Value |
|---|---|---|---|---|
| 2026 (Jan–Aug) | 52 | 15 | 37 | $2.1 million |
| 2025 | 82 | 14 | 68 | $2.2 million |
| 2024 | 75 | 15 | 60 | $2.2 million |
| 2023 | 74 | 14 | 60 | $2.1 million |
| 2022 | 71 | 16 | 55 | $2.3 million |
| 2021 | 51 | 17 | 34 | $2.1 million |
| 2020 | 41 | 14 | 27 | $1.7 million |
| 2019 | 37 | 13 | 24 | $1.6 million |
| 2018 | 34 | 12 | 22 | $1.5 million |
| 2017 | 35 | 10 | 25 | $1.3 million |
| 2016 | 31 | 9 | 22 | $1.2 million |
| 2015 | 30 | 8 | 22 | $1.1 million |
| 2014 | 23 | 8 | 15 | $979,000 |
| 2013 | 24 | 8 | 16 | $992,000 |
| 2012 | 24 | 7 | 17 | $905,000 |
| 2011 | 18 | 7 | 11 | $830,000 |
| 2010 | 15 | 7 | 8 | $793,000 |
| 2009 | 12 | 7 | 5 | $755,000 |
| 2008 | 17 | 10 | 7 | $1.1 million |
| 2007 | 24 | 15 | 9 | $1.6 million |
| 2006 | 29 | 19 | 10 | $2.2 million |
| 2005 | 8 | 6 | 2 | $722,000 |
| 2004 | 13 | 13 | 0 | $1.4 million |
| 2003 | 17 | 13 | 4 | $1.4 million |
| 2002 | 5 | 5 | 0 | $604,000 |
| 2001 | 47 | 36 | 11 | $3.4 million |
| 2000 | 70 | 26 | 44 | $3.6 million |
Pontotoc's permit office didn't report to the Census in 2025, so the 2025 figures are Census estimates.
How Pontotoc ranks on new homes being built →
Homes authorized by building permits, counted in the year the permit was issued. U.S. Census Bureau, Building Permits Survey, through August 2026.
4.5 years of income
The typical Pontotoc home costs about 4.5 years of the town's median household income, more than across Mississippi (3.5 years).
How Pontotoc ranks on affordability →
Home value ÷ ACS median household income.
Owners, rent & taxes
U.S. Census Bureau, ACS 2020-2024.
A two-bedroom rents for about $1,170
HUD's Fair Market Rent for a two-bedroom in Pontotoc is $1,170 a month, utilities included: roughly what a modest, recently rented unit costs. Renters already in Pontotoc pay a median of $803, so moving in tends to cost more than staying put. A two-bedroom takes about 30% of the town's median household income, above the 30% guideline for affordable housing.
Studio $990 · 4 bedrooms $1,550
U.S. Department of Housing and Urban Development, FY2026 Fair Market Rents by ZIP code (38863; Lafayette County, MS), weighted by land area. A Fair Market Rent is the 40th-percentile rent plus utilities for a standard unit. Median rent: U.S. Census Bureau, American Community Survey.
Home values: Zillow Home Value Index (ZHVI), Zillow Research, August 2026. Sales, days on market and supply: Redfin Data Center, May 2026. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. New homes: U.S. Census Bureau, Building Permits Survey. Fair Market Rents: U.S. Department of Housing and Urban Development. Listings link to their publishers.