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Mortgage Calculator &
Closing Costs: Olive Branch, MS

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

Median Home Price
$265K
Population
40K
Avg Monthly Rent
$1,220
Property Tax Rate
0.8%
Olive Branch vs Mississippi Median
The median home price in Olive Branch is $265,000, which is 51% above the Mississippi state median of $175,000.

Mortgage Calculator — Olive Branch, MS

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

$
$53,000
%
%
years
MS avg
%
$
Monthly Payment (PITI)
$1,717
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,340
per month
Taxes & Insurance
$377
per month
Total Interest Paid
$270K
over 30 years
Total Loan Cost
$482K
all payments
Payment Breakdown
Loan Amount$212,000
Principal & Interest$1,340
Property Taxes$177
Homeowners Insurance$200
Total Monthly PITI$1,717

Closing Costs — Olive Branch, MS

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

$
%
Mississippi: Avg closing costs 1.4% of price. Transfer tax: 0%.
Estimated Closing Costs
$9,605
3.6% of purchase price
Lender Fees
$2,333
origination, underwriting
Third-Party
$2,775
appraisal, title, inspection
Government Fees
$0
transfer taxes, recording
Prepaids + Escrow
$4,497
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,908
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,625
Recording Fee$150
Prepaid Taxes (3 mo)$530
Prepaid Insurance (12 mo)$2,400
Prepaid Interest (15 days)$637
Escrow Reserves$930
Total Closing Costs$9,605

Buying a Home in Olive Branch, Mississippi

The median home price in Olive Branch is $265,000, 51% above the Mississippi state median of $175,000. With a population of 40,375, Olive Branch is a smaller market where home prices reflect strong demand and local economic factors.

Property taxes in Mississippi average 0.8% annually. This moderate property tax rate means a $265,000 home in Olive Branch would carry roughly $177/month in property taxes. Homeowners insurance in Mississippi runs approximately $2,400 per year. This is within the normal range nationally.

Average rent in Olive Branch is $1,220/month. The price-to-rent ratio in Olive Branch is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Olive Branch presents moderate affordability. The $265K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

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