Pearl, Mississippi.
Typical home $212,427 (+4.6% in a year), asking rent $1,494 (+4.7%). Jackson, MS metro.
to buy the typical home at today's mortgage rate — +$591 (+113%) since Jan 2020.
- 1 year
- Up $9,336 +5%
- $203,090$212,427 since Sep 2025
- 5 years
- Up $44,764 +27%
- $167,663$212,427 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Pearl$1,115
- Mississippi$1,021
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 15 years.
Typical home values in Pearl, MS rose 4.6% over the past year — faster than the nation's +1.2%.
Asking rents in Pearl, MS rose 4.7% over the past year — faster than the nation's +2.7%.
Owning the typical home in Pearl runs $45/mo less than renting one. The gap peaked at $251 in Feb 2022.
That is $1,449 a month against $1,494 rent: a $1,115 mortgage payment, plus $106 property tax and $227 insurance & upkeep.
Owning vs renting — Pearl
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$1,449
- Renting$1,494
- Mortgage only$1,115
Property tax · $106/mo 0.60% of value a year — the ACS 2020-2024 median bill over the median home value for Rankin County, MS
Insurance & upkeep · $227/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Pearl, Rankin County, Mississippi
Pearl is a city of 27,115 people in Rankin County. Half its households earn more than $61,695 a year and half less, against $79,357 across Rankin County; 12% of its people live below the poverty line. 62% of its homes are lived in by their owners and 38% are rented. Unemployment in Pearl was 2.2% in August 2026, and Rankin County had 0.6% more jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Pearl is a city in Rankin County, just across the Pearl River from Jackson. Households here earn less than the county as a whole, and the typical home is owned by the people who live in it, though a good many households rent. Winters are mild and brief, with snow a rare sight, while summers are long and hot and the year brings plenty of rain.
Work. Many residents work in schools, hospitals and social care, in shops, in transport and warehouses, and in manufacturing. The Pearl Public School District is among the largest workplaces in town, alongside Walmart and FedEx. Jobs are holding steady across the county, and unemployment in town is lower than it was a year ago.
Things to do. The Mississippi Musicians Hall of Fame, a museum, is in or beside town. A short drive away are LeFleur's Bluff State Park, a protected area, and the Jackson Zoo. For a longer outing, Ross Barnett Reservoir is a longer drive away.
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- 11,249households
- 28%of adults have a degree
- 12%below the poverty line
- 24 mintypical commute
- 7%work from home
What residents work in
Employed residents by industry, from the Census survey. Rankin County had 67,431 jobs in 2025, 0.6% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 57° and lows near 37°; warmest in August, with highs near 92° and lows near 72°. About 1 inches of snow and 57 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Jackson International Airport weather station, 3 miles away (NOAA).
Largest workplaces in Pearl
- Pearl Public School DistrictSchool district551FTE
- WalmartWarehouse clubs and supercenters380
- FedExCourier and express delivery services290
- Packaging Corporation of America211
- Sam's ClubWarehouse clubs and supercenters197
- Miskelly Furniture WarehouseFurniture stores176
- Rampart ExteriorsRoofing contractors176
- Equipment Depot Mississippi, Inc. - CorporateStackers, industrial, truck-type, manufacturing75
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 25 workplaces with 20 or more staff, 2,112 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- HailRelatively high
- TornadoesRelatively high
- Strong windRelatively high
- LightningRelatively high
- Ice stormsRelatively moderate
- Heat wavesrelatively high in parts of PearlRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Pearl’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Rankin County and the Jackson, MS metro.
Pearl home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Pearl$212,427
- Mississippi$194,531
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 4 Pearl listings, and the typical home goes pending in 21 days — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Pearl27.35%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Pearl21
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Pearl111
New listings per month
Sellers arriving at the market.
- Pearl35
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Pearl$213,410
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Pearl98.30%
Zip codes with a Pearl address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Pearl — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.