The typical owner-occupied home in De Kalb is worth about $75,800, 55% below the Mississippi median of $169,800 and 77% below the national median of $332,700. Owners pay a median $539 a year in property taxes, about 0.71% of their home's value, close to the Mississippi rate of 0.72%. The median household earns $47,500 a year, so the median home costs 1.6 times the median income (3.0 times for Mississippi). 70% of occupied homes here are lived in by their owners, and 20% of those owners still have a mortgage.
De Kalb at a glance
| De Kalb | Mississippi | U.S. | |
|---|---|---|---|
| Median home value | $75,800 | $169,800 | $332,700 |
| Median property tax paid per year | $539 | $1,215 | $3,119 |
| Property tax as a share of value | 0.71% | 0.72% | 0.94% |
| Median household income | $47,500 | $56,447 | $80,734 |
| Homes lived in by their owners | 70% | 70% | 65% |
| Owner homes with a mortgage | 20% | 49% | 61% |
| Median monthly costs, owners with a mortgage | $1,039 | $1,394 | $1,963 |
| Those costs as a share of the owners' income | 32.8% | 19.8% | 21.0% |
| Median rent | $675 | $954 | $1,413 |
| Rent as a share of renters' income | 11.3% | 30.7% | 30.6% |
| Median year homes were built | 1978 | 1986 | 1980 |
| Vacant homes | 21.6% | 14.6% | 10.1% |
| Population | 791 | 2,946,779 | 334,922,499 |
What a typical home costs per month in De Kalb
At this week's average 30-year rate of 7.11%, buying the median De Kalb home of $75,800 with 20% down costs about $484 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $611, 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 $20,758 for the 20%-down payment. That payment is 12% of the median De Kalb household income of $47,500; at that income and 20% down, the 28% guideline points to a home of about $173,000.
The median rent here is $675 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $15,160 |
|---|---|
| Loan amount | $60,640 |
| Principal and interest | $408 |
| Property taxes (0.71% a year) | $45 |
| Homeowners insurance (our estimate, 0.5% a year) | $32 |
| PMI | $0 |
| Total per month | $484 |
Change the numbers in the calculator
| Down payment | $2,653 |
|---|---|
| Loan amount | $74,427 |
| Principal and interest | $501 |
| Property taxes (0.71% a year) | $45 |
| Homeowners insurance (our estimate, 0.5% a year) | $32 |
| FHA mortgage insurance | $34 |
| Total per month | $611 |
Change the numbers in the calculator
Questions about home buying in De Kalb
What is the median home value in De Kalb?
About $75,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in De Kalb?
Homeowners pay a median $539 a year, which is about 0.71% 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 De Kalb?
For the median home with 20% down at 7.11%, the payment is about $484 a month. Keeping that under 28% of gross income takes about $20,758 a year.
More about De Kalb
- Mortgage Refinance in De Kalb
- Debt Relief in De Kalb
- Home Equity Loans in De Kalb
- 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