Cost of Living in Pontotoc, MS

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10%
Overall NAT. AVG.
2%
Groceries NAT. AVG.
23%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Pontotoc Mississippi National
Cost of living9086100
Groceries9897100
Health care9395100
Housing7763100
Transportation9594100
Utilities9998100
Lifestyle & Entertainment9394100
Household Items9896100
Education & Childcare9694100
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Homes For Sale In Pontotoc, MS

property for sale

410 Clark St

Pontotoc, MS
property for sale

1196 Houpt Rd

Pontotoc, MS
property for sale

149 N College St

Pontotoc, MS
property for sale

630 Highway 342

Pontotoc, MS
See the Newest Homes For Sale In Pontotoc, MS

Cost Of Living Quick Facts

  • The cost of living in Pontotoc is 6% higher than the Mississippi average
  • The cost of living in Pontotoc is 10% lower than the national average
  • Pontotoc housing is 23% lower than the national average
  • Mississippi general sales tax is 37% higher than the national average
  • Mississippi state income tax is 93% higher than the national average

Most Affordable Places to Live in and Around Pontotoc

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      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
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      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$87,022$7,252$2,030$2,611
      Renters$57,454$4,788$1,341$1,724
      A good way to judge both the affordability of the housing and the cost of living in Pontotoc is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Pontotoc has a median income of about $87,022 for people who own homes. Based on that number, a maximum of $2,030 should be spent on expenses related to housing. Renters have a slightly different median income, which is $57,454. Based on this average, renters should spend no more than $1,341 on all rental costs if they want to maintain a non-impoverished standard of living.

      Mississippi Sales Tax

      State General Sales Tax With Max Surtax
      Mississippi 7% 7.25%

      Mississippi Income Tax

      State Income Tax (Low) Income Tax (High)
      Mississippi 5% 5%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      New Houlka, MS5118020.3%
      Toccopola, MS3108119.1%
      Ecru, MS1,3708515.3%
      Sherman, MS6358613.6%
      Blue Springs, MS3558812.3%
      Pontotoc, MS6,205909.6%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Milan, MI6,205972.7%
      Otis Orchards-East Farms, WA6,20611414.3%
      Kodiak, AK6,19812525.0%
      East Pasadena, CA6,19819393.0%
      Bensley, VA6,198991.1%
      Pontotoc, MS6,205909.6%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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