Pontotoc, MS 38863 - Home Prices, Rental Trends, Listings & Demographics | Prop:Metrics

Pontotoc, MS—38863

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value

$190,000

2.3% YoY Growth

Household Income

$51,100

25.9% YoY Growth

Days on Market

0.0% Longer YoY

Home Price Forecast

1.2%

Median Rent

$600

40.0% YoY Growth

1-Bed Rent

N/A

2-Bed Rent

N/A

3-Bed Rent

N/A

Home Price Trends — Pontotoc, MS

As of Dec '25, the median home price in Pontotoc, MS is $190,000, with a year-over-year change of 2.3%. This indicates that home prices in Pontotoc, MS are increasing. According to Zillow, the 1-year price projection is 1.2%, suggesting an increase housing market in the next year.

Cost per Home Type

Home Type	Median Home Value	YoY % Change
All Homes	$190,000	2.3%
Single Family	$190,000	2.2%
Condos	N/A	N/A

Cost per Home Size

Home Size	Median Home Value	YoY % Change
1 Bed

Rental Trends — Pontotoc, MS

As of July '25, Rentcast reports the average rent in Pontotoc, MS is $600, with a year-over-year rent change of -40.0%. Per bedroom, the median rent as of July '25 in Pontotoc, MS is 4-bedrooms: $600. The most common rental property sizes in Pontotoc, MS are 3-bedroom and 2-bedroom, accounting for 48.3% and 28.9% of the rental stock.

Type	Median Rent	Average Rent
Average Rent	$600	$600
Studio Rent	N/A	N/A
1 Bed Rent	N/A	N/A
2 Bed Rent	N/A	N/A
3 Bed Rent	N/A	N/A
4 Bed Rent	$600	$600

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% of Rental Stock

Studio

9.3%

1 Bedroom

10.5%

2 Bedrooms

28.9%

3 Bedrooms

48.3%

4 Bedrooms

2.9%

5+ Bedrooms

0.2%

Property Listings — Pontotoc, MS

As of Dec '25, Realtor.com reports that the median days on market for a home in Pontotoc, MS is 64. This is a decrease of -8.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 19.0%, representing a small inventory and little supply pressure on home prices.

Metric	Zip Code Average	Year over Year % Change
Median Listing Price	$239,000	-13.0%
Listing Count	38	1.0%
Listings as % of Homes	0.4%	1.0%
Days on Market	90	0.0%

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Demographics — Pontotoc, MS

As of the latest ACS Survey released in 2023, Pontotoc, MS has a population of 18,800, which has decreased by -10.7% over the past 5 years. Pontotoc, MS is a popular place for families, as children make up 26.7% of the population. The area has a poorly educated workforce, with 19.1% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 1.7% reporting working from home.

Metric	Latest Census	YoY % Change
Population	18,800	-10.7%
% Under 18	26.7%	-2.2%
% Seniors	15.6%	15.6%
% WFH	1.7%	88.9%
% w/ College Degree	19.1%	10.4%

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As of the latest ACS Survey released in 2023, Pontotoc, MS is a predominantly white area, with 72.1% of the population identifying as white. The white population has shrunk by 5.5% in the last 5 years. The second most common race or ethnicity in Pontotoc, MS is black, making up 16.8% of the population. Foreign-born residents account for 3.2% of the population in Pontotoc, MS, and this percentage has remained stable as of the ACS Survey 5 years prior, suggesting immigration has remained steady.

Race and Ethnicity

Metric	Latest Census	5-Year % Change
% White	72.1%	-5.5%
% Black	16.8%	6.3%
% Hispanic	7.0%	-6.7%
% Asian	0.0%	N/A
% Foreign Born	3.2%	0.0%

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Mortgage and Risk — Pontotoc, MS

According to HUD data as of 2023, there were 237 mortgage originations in Pontotoc, MS, of which 63.0% of loans were conventional mortgages. The average loan-to-value was 69.0%, with 37.0% above 90% LTV (very high). This implies large mortgage risk in Pontotoc, MS. Investor activity is low, as 1.0% of loans were by investors. 16.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.

Mortgages

Metric	Zip Code Average
Total Loan Originations	237
% Conventional Loans	63.0%
% Government Loans	37.0%
% Investor Loans	1.0%
% Second Loans	1.0%
% Cash Out Refinance	16.0%

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Rentals and Section 8 — Pontotoc, MS

Pontotoc, MS lacks sufficient Section 8 program data for analysis.

Section 8 Market Size

Total Units under HUD	198
Total Units Section 8	118
% Rentals under Section 8	N/A
% Occupied Section 8	78.5%

Section 8 Opportunity

Home Size	HUD Premium	Market Rent	Max HUD Rent
1 Bedroom	N/A	N/A	$960
2 Bedroom	N/A	N/A	$1,140
3 Bedroom	N/A	N/A	$1,370
4 Bedroom	$910	$600	$1,510

Pontotoc, MS—38863

Key Metrics at a Glance

Home Price Trends — Pontotoc, MS

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Pontotoc, MS

% of Rental Stock

Property Listings — Pontotoc, MS

Demographics — Pontotoc, MS

Race and Ethnicity

Mortgage and Risk — Pontotoc, MS

Mortgages

Rentals and Section 8 — Pontotoc, MS

Section 8 Market Size

Section 8 Opportunity

Affordability — Pontotoc, MS

Home Price to Income Ratio

Pontotoc, MS — ZIP Code Boundary Map

Nearby ZIP Codes

Ecru, MS

New Houlka, MS

Randolph, MS

Belden, MS

Thaxton, MS

Frequently Asked Questions

Metric	Zip Code Average
Home Price to Income Ratio	3.5
Median Home Price	$190,000
Median Household Income	$51,100

Pontotoc, MS—38863

Key Metrics at a Glance

Home Price Trends — Pontotoc, MS

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Pontotoc, MS

% of Rental Stock

Property Listings — Pontotoc, MS

Demographics — Pontotoc, MS

Race and Ethnicity

Mortgage and Risk — Pontotoc, MS

Mortgages

Rentals and Section 8 — Pontotoc, MS

Section 8 Market Size

Section 8 Opportunity

Affordability — Pontotoc, MS

Home Price to Income Ratio

Pontotoc, MS — ZIP Code Boundary Map

Nearby ZIP Codes

Ecru, MS

New Houlka, MS

Randolph, MS

Belden, MS

Thaxton, MS

Frequently Asked Questions

What is the average home price in Pontotoc, MS 38863?

How have home prices in Pontotoc, MS 38863 changed over the past year?

What is the home price projection for Pontotoc, MS 38863?

What are the demographics of Pontotoc, MS 38863?

How long does it take homes to sell in Pontotoc, MS 38863?

What is the average rent price in Pontotoc, MS 38863?