The typical owner-occupied home in Pearlington is worth about $98,100, 42% below the Mississippi median of $169,800 and 71% below the national median of $332,700. Owners pay a median $783 a year in property taxes, about 0.80% of their home's value, higher than the Mississippi rate of 0.72%. The median household earns $44,507 a year, so the median home costs 2.2 times the median income (3.0 times for Mississippi). 92% of occupied homes here are lived in by their owners, and 28% of those owners still have a mortgage.
Pearlington at a glance
| Pearlington | Mississippi | U.S. | |
|---|---|---|---|
| Median home value | $98,100 | $169,800 | $332,700 |
| Median property tax paid per year | $783 | $1,215 | $3,119 |
| Property tax as a share of value | 0.80% | 0.72% | 0.94% |
| Median household income | $44,507 | $56,447 | $80,734 |
| Homes lived in by their owners | 92% | 70% | 65% |
| Owner homes with a mortgage | 28% | 49% | 61% |
| Median monthly costs, owners with a mortgage | $1,185 | $1,394 | $1,963 |
| Those costs as a share of the owners' income | 28.7% | 19.8% | 21.0% |
| Median rent | – | $954 | $1,413 |
| Median year homes were built | 2004 | 1986 | 1980 |
| Vacant homes | 13.0% | 14.6% | 10.1% |
| Population | 1,278 | 2,946,779 | 334,922,499 |
What a typical home costs per month in Pearlington
At this week's average 30-year rate of 7.11%, buying the median Pearlington home of $98,100 with 20% down costs about $634 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $798, 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 $27,181 for the 20%-down payment. That payment is 17% of the median Pearlington household income of $44,507; at that income and 20% down, the 28% guideline points to a home of about $161,000.
| Down payment | $19,620 |
|---|---|
| Loan amount | $78,480 |
| Principal and interest | $528 |
| Property taxes (0.80% a year) | $65 |
| Homeowners insurance (our estimate, 0.5% a year) | $41 |
| PMI | $0 |
| Total per month | $634 |
Change the numbers in the calculator
| Down payment | $3,434 |
|---|---|
| Loan amount | $96,323 |
| Principal and interest | $648 |
| Property taxes (0.80% a year) | $65 |
| Homeowners insurance (our estimate, 0.5% a year) | $41 |
| FHA mortgage insurance | $43 |
| Total per month | $798 |
Change the numbers in the calculator
Questions about home buying in Pearlington
What is the median home value in Pearlington?
About $98,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Pearlington?
Homeowners pay a median $783 a year, which is about 0.80% 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 Pearlington?
For the median home with 20% down at 7.11%, the payment is about $634 a month. Keeping that under 28% of gross income takes about $27,181 a year.
More about Pearlington
- Mortgage Refinance in Pearlington
- Debt Relief in Pearlington
- Home Equity Loans in Pearlington
- 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