The story of this market
The typical home in Montgomery County, Mississippi sells for about $149,000, or $85 per square foot.
Prices are up +7.62% from a year ago, so sellers still have some momentum. Homes take about 105 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $905 a month.
HUD sets the fair market rent for a 2-bedroom at $905 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Low.
Monthly price momentum
Home values since 2015
+2.5%
MS · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,078
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Natural hazard exposure
The area's risk shape
43
Relatively Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $4,064,099.
Mortgage activity
Home lending in this county
62.5%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 181 | 85 | 62.5% | 14.3% | $115,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Montgomery County, Mississippi
The Montgomery County housing market is characterized by low inventory and modest price appreciation. While the median listing price remains affordable at $149,000, the market faces challenges related to low household income levels and a shrinking population base.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 3 cities · 5 ZIP reports
Median prices moved up 6.9% year over year.
Homes spend a median of 54 days on market with 0.7 months of supply — a fast-moving market.
3% of listings have cut prices · homes sell at 18.23% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.4% · poverty 28.5% — a mixed stability profile.
Deterministic aggregate of 5 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 26
researched Sep 26
researched Sep 26
researched Sep 27
researched Sep 27
| 38925 | Duck Hill | $123,400 | $85 | +2.1% | 112 | 96.5% | 12% | 6.2 | 18 | $491 | researched Sep 26 |
| 39092 | Lake | $435,000 | $170 | +15.3% | 28 | 98.5% | 18.3% | 3.8 | 469 | $549 | researched Sep 26 |
| 39167 | Winona | $245,000 | $132 | +2.4% | 48 | 97.5% | 15.2% | 3.8 | 12 | $1,150 | researched Sep 26 |
| 39747 | Kilmichael | $180,000 | $105 | -2.7% | 112 | 94.5% | 8.3% | 6 | 12 | $1,031 | researched Sep 27 |
| 39767 | Stewart | $399,200 | $200 | +5.2% | 59 | — | — | — | 186 | $1,324 | researched Sep 27 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
The local economy is characterized by a low unemployment rate of 3.4% as of May 2026, though median household income remains significantly below state and national averages.
Data retrieved from US Census Bureau QuickFacts and Data Commons.
applies when — Default on a mortgage or deed of trust containing a power-of-sale clause
Allows for foreclosure without court intervention; requires publication of notice of the foreclosure sale in a newspaper in the county where the property is located.
Standard practice under Mississippi law for deeds of trust.
Formula: (True Value × Assessment Ratio) × Millage Rate = Taxes. Class I (single-family owner-occupied) is assessed at a 10% ratio. Homestead exemptions for homeowners over 65 or disabled provide an exemption on the first $7,500 of assessed value.
Governed by Miss. Code Ann. Sections 27-35-1 through 27-35-167; assessments updated at least every four years.
applies when — Transfer of residential real property by a seller
Requires the transferor to provide a written disclosure statement regarding the condition of the property to the transferee, subject to specific statutory exemptions.
Governed by Miss. Code Ann. Sections 89-1-501 through 89-1-523; amended by HB 1271 (2024).
applies when — Parcels located within a district created by petition of property owners
Imposes additional assessments on parcels falling under the purview of homeowners' associations or improvement districts.
Miss. Code Ann. Section 21-33-561.
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.