Pheba, Mississippi.
Typical home $190,599 (+8.2% in a year). West Point, MS metro.
to buy the typical home at today's mortgage rate — +$477 (+91%) since Feb 2021.
- 1 year
- Up $14,404 +8%
- $176,195$190,599 since Sep 2025
- 5 years
- Up $20,338 +12%
- $170,260$190,599 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.
- Pheba$1,000
- Mississippi$1,021
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 31 years.
Typical home values in Pheba, MS rose 8.2% over the past year — faster than the nation's +1.2%.
Living in Pheba, Clay County, Mississippi
Pheba, in Clay County, had 160 people in the 2020 census. Unemployment in Clay County was 4.1% in August 2026, and the county had 0.8% fewer jobs in 2025 than the year before. The most people in Clay County work in schools and health care, then manufacturing.
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 It can be wrong or out of date.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. Pheba is a very small community in Clay County, Mississippi, where nearly everyone is likely to know one another. Homes here are valued below what is typical for much of the country, and household incomes across Clay County sit below the national picture. Winters are mild and rarely bring snow, summers are hot, and the year brings plenty of rain.
Work. Many residents work in schools, hospitals and social care, with others in manufacturing, retail, and professional and business services. Across Clay County, the largest workplaces include Peco Foods in West Point, the West Point Consolidated School District and Clay County Medical. Unemployment in Clay County has eased over the past year, though the county has fewer jobs than it did the year before.
Things to do. By-Wy Creek and Biba Wila Creek are a short drive away and suit a quiet afternoon outdoors. A longer drive brings you to Tombigbee National Forest, a protected area of woodland, and to the Sam D. Hamilton Noxubee National Wildlife Refuge. Davis Wade Stadium is also a longer drive away for those who enjoy a game.
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What people in Clay County work in
Employed residents by industry, from the Census survey. Clay County had 6,482 jobs in 2025, 0.8% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 54° and lows near 33°; warmest in July, with highs near 92° and lows near 72°. About 58 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the State Univ weather station, 12 miles away (NOAA).
Largest workplaces in Clay County
- Peco Foods Inc.- West PointPoultry manufacturing775
- West Point Consolidated School DistSchool district437FTE
- Clay County MedicalGeneral hospital250FTE
- WalmartWarehouse clubs and supercenters236
- Fabricators SupplyStructural steel, fabricated, manufacturing170
- Plum Creek Environmental TechnologiesWaste container manufacturer150
- The Golf Clubs of MississippiCountry clubs150
- Ellis Steel Company, Inc. StructuralStructural steel, fabricated, manufacturing81
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 14 workplaces with 20 or more staff, 2,216 people in all across the county; Pheba has none of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); 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
- Cold wavesRelatively high
- TornadoesRelatively high
- LightningRelatively high
- DroughtRelatively moderate
- HailRelatively moderate
- Strong windRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Pheba’s census tracts, against the rest of the country; all of them together, relatively low. 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 Clay County and the West Point, MS metro.
Pheba home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Pheba$190,599
- Mississippi$194,531
- United States$366,157
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.
Zip codes with a Pheba address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Pheba — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.