Cost of Living in Stone County, Mississippi
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Stone County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Stone County ranks #2,647 of 3,144 counties for affordability (bottom 16%)
Data Story
About Cost of Living in Stone County, Mississippi
Stone County housing costs stay reasonable nationally
Stone County's 17.0% rent-to-income ratio aligns closely with American affordability standards, meaning renters here dedicate a typical share of income to housing. With median household income of $59,307—well below the national median of $74,755—a $839 monthly rent remains sustainable for most households.
Mid-pack affordability in Mississippi
Stone County's 17.0% rent-to-income ratio beats Mississippi's 19.6% average, positioning it among the state's more affordable counties. At $839 per month, median rent exceeds the state average of $782 but remains modest within regional context.
Steeper rents, higher home values than Smith County
Stone County's $839 rent runs higher than Smith County's $664, reflecting modest differences in economic development across the region. Yet Stone's median home value of $163,300 suggests growing residential demand and steadier property appreciation than neighboring rural counties.
Balanced housing burden across tenants and owners
Stone County renters spend 17.0% of the $59,307 median income on housing, or roughly $848 annually from their gross earnings. Homeowners allocate even more—$745 monthly equals about 15.1% of household income—yet the median home value of $163,300 reflects stronger property equity potential.
Upgrade your homeownership prospects here
Stone County offers a sweet spot for buyers: median homes near $163,000 with monthly owner costs of $745. If homeownership is your goal and you're willing to spend modestly more on rent now, Stone's housing market and growing property values make relocation worth evaluating.
Cost of Living Advisory: Stone County
Affordability Verdict
For renters in Stone County, the market is affordable. Expect to pay around $839/month in gross rent, with 26.0% of renter households considered cost-burdened.
Rent vs. Own
Renters in Stone County pay $839/month on average, compared to $745/month for homeowners. This market favors buyers by about 11%.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $33,560/year. For owner costs at the 28% rule, the required income is roughly $31,929/year. With a median household income of $59,307, most households can comfortably afford rent here. Notably, 26.0% of renter households in Stone County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Stone County sits 7% more expensive than Washington County ($786/month) in terms of median gross rent.
Affordability Calculator
See how your income compares to housing costs in Stone County
Rent Burden
17.0%
of gross income
Max Housing (28% Rule)
$1,384
per month
Owner Cost Burden
15.1%
of gross income
You can likely afford the median home in Stone County
Median home value is $163,300. Estimated monthly cost: $1,304 vs. your max of $1,384.
Rent Affordability Guide
Income Needed Calculator
See how much you need to earn to comfortably afford housing
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.
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