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Mortgage Calculator &
Closing Costs: Meridian, MS

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Meridian, Mississippi.

Median Home Price
$125K
Population
34K
Avg Monthly Rent
$780
Property Tax Rate
0.8%
Meridian vs Mississippi Median
The median home price in Meridian is $125,000, which is 29% below the Mississippi state median of $175,000.

Mortgage Calculator — Meridian, MS

Pre-filled with Meridian median home price and Mississippi tax/insurance rates. Adjust for your property.

$
$25,000
%
%
years
MS avg
%
$
Monthly Payment (PITI)
$915
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$632
per month
Taxes & Insurance
$283
per month
Total Interest Paid
$128K
over 30 years
Total Loan Cost
$228K
all payments
Payment Breakdown
Loan Amount$100,000
Principal & Interest$632
Property Taxes$83
Homeowners Insurance$200
Total Monthly PITI$915

Closing Costs — Meridian, MS

Estimated closing costs based on Mississippi rates and fees applied to Meridian prices.

$
%
Mississippi: Avg closing costs 1.4% of price. Transfer tax: 0%.
Estimated Closing Costs
$7,001
5.6% of purchase price
Lender Fees
$1,325
origination, underwriting
Third-Party
$2,075
appraisal, title, inspection
Government Fees
$0
transfer taxes, recording
Prepaids + Escrow
$3,601
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$900
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$925
Recording Fee$150
Prepaid Taxes (3 mo)$250
Prepaid Insurance (12 mo)$2,400
Prepaid Interest (15 days)$301
Escrow Reserves$650
Total Closing Costs$7,001

Buying a Home in Meridian, Mississippi

The median home price in Meridian is $125,000, 29% below the Mississippi state median of $175,000. With a population of 33,865, Meridian is a smaller market where home prices tend to be more accessible than in many parts of Mississippi.

Property taxes in Mississippi average 0.8% annually. This moderate property tax rate means a $125,000 home in Meridian would carry roughly $83/month in property taxes. Homeowners insurance in Mississippi runs approximately $2,400 per year. This is within the normal range nationally.

Average rent in Meridian is $780/month. With a price-to-rent ratio under 15, buying may be more cost-effective than renting in Meridian over the long term.

Meridian offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with Mississippi's MHC Smart Solution program.

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