Pontotoc, Mississippi.
Typical home $205,668 (+6.9% in a year). Tupelo, MS metro.
to buy the typical home at today's mortgage rate — +$530 (+96%) since Jan 2020.
- 1 year
- Up $13,311 +7%
- $192,357$205,668 since Sep 2025
- 5 years
- Up $18,131 +10%
- $187,537$205,668 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.
- Pontotoc$1,080
- Mississippi$1,021
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 38 years.
Typical home values in Pontotoc, MS rose 6.9% over the past year — faster than the nation's +1.2%.
Living in Pontotoc, Pontotoc County, Mississippi
Pontotoc is a city of 5,640 people in Pontotoc County. 54% of its homes are lived in by their owners and 46% are rented. Unemployment in Pontotoc County was 3.2% in August 2026, and the county had 3.2% fewer jobs in 2025 than the year before. The most residents 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 It can be wrong or out of date.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. Pontotoc is a small city in northeast Mississippi, and its people are younger than in most American towns. Fewer residents here own a four-year degree than in the country as a whole, and a good share of households live on incomes below the national level. Winters are mild and short, with little or no snow, while summers turn hot and the year brings plenty of rain.
Work. Many residents work in schools, hospitals and social care, with manufacturing, shops and banking or insurance close behind. The largest workplaces in Pontotoc include the Pontotoc County School District, Walmart and Behold Washington, an upholstered furniture maker. Commutes are short, and very few people work from home.
Things to do. Trace State Park, a protected area, is a short drive away. Farther afield, the Elvis Presley Birthplace museum and the Natchez Trace Parkway are both a longer drive away. Tupelo National Battlefield, an archaeological site, is also a longer drive away.
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- 2,086households
- 25%of adults have a degree
- 17%below the poverty line
- 20 mintypical commute
- 4%work from home
What residents work in
Employed residents by industry, from the Census survey. Pontotoc County had 11,386 jobs in 2025, 3.2% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 51° and lows near 31°; warmest in July, with highs near 90° and lows near 70°. About 61 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Pontotoc Experiment Station weather station, 8 miles away (NOAA).
Largest workplaces in Pontotoc
- Pontotoc CO School DistSchool district486FTE
- WalmartWarehouse clubs and supercenters328
- Behold WashingtonUpholstered household furniture manufacturing285
- Millcreek of Pontotoc Main CampusPRTFPsychiatric and substance abuse hospitals263
- Pontotoc Health ServicesCritical access hospital178FTE
- Delta Furniture ManufacturingUpholstered furniture, household-type, custom, manufacturing125
- Pontotoc LTCGroup homes for the disabled with nursing care101
- Pride Mobility Products PontotocWheelchairs manufacturing89
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 12 workplaces with 20 or more staff, 1,652 people in all. 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
- TornadoesVery high
- LightningVery high
- Cold wavesRelatively high
- Strong windRelatively high
- Heat wavesRelatively high
- EarthquakesRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Pontotoc’s census tracts, against the rest of the country; all of them together, relatively high. 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 Pontotoc County and the Tupelo, MS metro.
Pontotoc home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Pontotoc$205,668
- 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 Pontotoc listings — the market is roughly in balance.
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.
- Pontotoc23.78%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Pontotoc51
New listings per month
Sellers arriving at the market.
- Pontotoc14
Zip codes with a Pontotoc address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Pontotoc — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.