The typical owner-occupied home in Adams County is worth about $108,700, 36% below the Mississippi median of $169,800 and 67% below the national median of $332,700. Owners pay a median $974 a year in property taxes, about 0.90% of their home's value, higher than the Mississippi rate of 0.72%. The median household earns $43,644 a year, so the median home costs 2.5 times the median income (3.0 times for Mississippi). 68% of occupied homes here are lived in by their owners, and 32% of those owners still have a mortgage.
Adams County at a glance
| Adams County | Mississippi | U.S. | |
|---|---|---|---|
| Median home value | $108,700 | $169,800 | $332,700 |
| Median property tax paid per year | $974 | $1,215 | $3,119 |
| Property tax as a share of value | 0.90% | 0.72% | 0.94% |
| Median household income | $43,644 | $56,447 | $80,734 |
| Homes lived in by their owners | 68% | 70% | 65% |
| Owner homes with a mortgage | 32% | 49% | 61% |
| Median monthly costs, owners with a mortgage | $1,235 | $1,394 | $1,963 |
| Those costs as a share of the owners' income | 22.2% | 19.8% | 21.0% |
| Median rent | $734 | $954 | $1,413 |
| Rent as a share of renters' income | 29.4% | 30.7% | 30.6% |
| Median year homes were built | 1972 | 1986 | 1980 |
| Vacant homes | 23.2% | 14.6% | 10.1% |
| Population | 28,803 | 2,946,779 | 334,922,499 |
What a typical home costs per month in Adams County
At this week's average 30-year rate of 7.11%, buying the median Adams County home of $108,700 with 20% down costs about $712 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $893, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $30,506 for the 20%-down payment. That payment is 20% of the median Adams County household income of $43,644; at that income and 20% down, the 28% guideline points to a home of about $156,000.
The median rent here is $734 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $21,740 |
|---|---|
| Loan amount | $86,960 |
| Principal and interest | $585 |
| Property taxes (0.90% a year) | $82 |
| Homeowners insurance (our estimate, 0.5% a year) | $45 |
| PMI | $0 |
| Total per month | $712 |
Change the numbers in the calculator
| Down payment | $3,804 |
|---|---|
| Loan amount | $106,731 |
| Principal and interest | $718 |
| Property taxes (0.90% a year) | $82 |
| Homeowners insurance (our estimate, 0.5% a year) | $45 |
| FHA mortgage insurance | $48 |
| Total per month | $893 |
Change the numbers in the calculator
Questions about home buying in Adams County
What is the median home value in Adams County?
About $108,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Adams County?
Homeowners pay a median $974 a year, which is about 0.90% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Adams County?
For the median home with 20% down at 7.11%, the payment is about $712 a month. Keeping that under 28% of gross income takes about $30,506 a year.
More about Adams County
- Mortgage Refinance in Adams County
- Debt Relief in Adams County
- Home Equity Loans in Adams County
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data