Rent vs. Buy in Adams County, MS

Should you rent or buy in Adams County? Here are the numbers.

Median Home Price

$99,300

Median Rent

$695/mo

Price-to-Rent Ratio

11.9x

Homeownership Rate

65.0%

Monthly Cost Comparison

Buying (20% down, 6.5% rate)

Mortgage (P&I)$502
Property Tax$73
Insurance$33

Total Monthly$608

Renting

Monthly Rent$695
Renter's Insurance$25

Total Monthly$720

In Adams County, buying is approximately $87/mo cheaper than renting (before equity buildup and tax benefits).

About Adams County, Mississippi

Adams County in Mississippi has a median household income of $37,271 and an effective property tax rate of 0.9%. With a price-to-rent ratio of 11.9x, buying is likely more cost-effective for long-term residents.

These are starting estimates based on county-level medians. Your actual costs depend on the specific property, your credit score, down payment, and dozens of other variables. Our Monte Carlo simulation models 10,000 scenarios to give you probability-weighted answers, not single-point estimates.

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Other Counties in Mississippi

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Bureau of Labor Statistics, Federal Housing Finance Agency. Estimates are based on county-level medians and may not reflect specific neighborhoods or property types. This is not financial advice — consult a licensed professional before making housing decisions.