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Homeownership is to the American dream. It offers , security, community, and countless other benefits. Yet for many Mississippi residents, the dream feels increasingly out of reach—even as and fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers and younger generations .

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, ranked the most affordable cities in Mississippi, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this .

#1. Byram, Mississippi
- Payment to income ratio: 23.2%
- Median sale price: $224,283
- Median household income: $74,103
- Income needed to buy: $57,274
- Median monthly mortgage payment: $1,432
- See homes for sale in Byram on

#2. Madison, Mississippi
- Payment to income ratio: 24.9%
- Median sale price: $392,794
- Median household income: $120,918
- Income needed to buy: $100,305
- Median monthly mortgage payment: $2,508
- See homes for sale in Madison on

#3. Brandon, Mississippi
- Payment to income ratio: 25.2%
- Median sale price: $305,592
- Median household income: $93,073
- Income needed to buy: $78,037
- Median monthly mortgage payment: $1,951
- See homes for sale in Brandon on

#4. Olive Branch, Mississippi
- Payment to income ratio: 25.3%
- Median sale price: $325,237
- Median household income: $98,421
- Income needed to buy: $83,053
- Median monthly mortgage payment: $2,076
- See homes for sale in Olive Branch on

#5. Clinton, Mississippi
- Payment to income ratio: 28.7%
- Median sale price: $266,124
- Median household income: $70,913
- Income needed to buy: $67,958
- Median monthly mortgage payment: $1,699
- See homes for sale in Clinton on

#6. Ocean Springs, Mississippi
- Payment to income ratio: 29.3%
- Median sale price: $301,687
- Median household income: $78,929
- Income needed to buy: $77,040
- Median monthly mortgage payment: $1,926
- See homes for sale in Ocean Springs on

#7. Long Beach, Mississippi
- Payment to income ratio: 29.7%
- Median sale price: $275,351
- Median household income: $71,121
- Income needed to buy: $70,314
- Median monthly mortgage payment: $1,758
- See homes for sale in Long Beach on

#8. Southaven, Mississippi
- Payment to income ratio: 30.4%
- Median sale price: $302,304
- Median household income: $76,159
- Income needed to buy: $77,197
- Median monthly mortgage payment: $1,930
- See homes for sale in Southaven on

#9. Pearl, Mississippi
- Payment to income ratio: 34.4%
- Median sale price: $245,650
- Median household income: $54,643
- Income needed to buy: $62,730
- Median monthly mortgage payment: $1,568
- See homes for sale in Pearl on

#10. Hernando, Mississippi
- Payment to income ratio: 38.6%
- Median sale price: $359,838
- Median household income: $71,451
- Income needed to buy: $91,889
- Median monthly mortgage payment: $2,297
- See homes for sale in Hernando on

#11. Ridgeland, Mississippi
- Payment to income ratio: 41.3%
- Median sale price: $342,257
- Median household income: $63,470
- Income needed to buy: $87,400
- Median monthly mortgage payment: $2,185
- See homes for sale in Ridgeland on