The typical owner-occupied home in French Camp is worth about $375,000, 2.2 times the Mississippi median of $169,800 and 13% above the national median of $332,700. The median household earns $97,679 a year, so the median home costs 3.8 times the median income (3.0 times for Mississippi). 61% of occupied homes here are lived in by their owners, and 20% of those owners still have a mortgage.
French Camp at a glance
| French Camp | Mississippi | U.S. | |
|---|---|---|---|
| Median home value | $375,000 | $169,800 | $332,700 |
| Median property tax paid per year | – | $1,215 | $3,119 |
| Median household income | $97,679 | $56,447 | $80,734 |
| Homes lived in by their owners | 61% | 70% | 65% |
| Owner homes with a mortgage | 20% | 49% | 61% |
| Median monthly costs, owners with a mortgage | $1,938 | $1,394 | $1,963 |
| Those costs as a share of the owners' income | 23.8% | 19.8% | 21.0% |
| Median rent | $867 | $954 | $1,413 |
| Rent as a share of renters' income | 16.3% | 30.7% | 30.6% |
| Median year homes were built | 1976 | 1986 | 1980 |
| Vacant homes | 0.0% | 14.6% | 10.1% |
| Population | 272 | 2,946,779 | 334,922,499 |
What a typical home costs per month in French Camp
At this week's average 30-year rate of 7.11%, buying the median French Camp home of $375,000 with 20% down costs about $2,518 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,143, 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 $107,919 for the 20%-down payment. That payment is 31% of the median French Camp household income of $97,679; at that income and 20% down, the 28% guideline points to a home of about $339,000.
The median rent here is $867 a month, so owning the median home costs about $1,651 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $75,000 |
|---|---|
| Loan amount | $300,000 |
| Principal and interest | $2,018 |
| Property taxes (1.10% a year) | $344 |
| Homeowners insurance (our estimate, 0.5% a year) | $156 |
| PMI | $0 |
| Total per month | $2,518 |
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| Down payment | $13,125 |
|---|---|
| Loan amount | $368,208 |
| Principal and interest | $2,477 |
| Property taxes (1.10% a year) | $344 |
| Homeowners insurance (our estimate, 0.5% a year) | $156 |
| FHA mortgage insurance | $166 |
| Total per month | $3,143 |
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Questions about home buying in French Camp
What is the median home value in French Camp?
About $375,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in French Camp?
For the median home with 20% down at 7.11%, the payment is about $2,518 a month. Keeping that under 28% of gross income takes about $107,919 a year.
More about French Camp
- Mortgage Refinance in French Camp
- Debt Relief in French Camp
- Home Equity Loans in French Camp
- 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