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Mortgage Calculator &
Closing Costs: Starkville, MS

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

Median Home Price
$225K
Population
25K
Avg Monthly Rent
$1,050
Property Tax Rate
0.8%
Starkville vs Mississippi Median
The median home price in Starkville is $225,000, which is 29% above the Mississippi state median of $175,000.

Mortgage Calculator — Starkville, MS

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

$
$45,000
%
%
years
MS avg
%
$
Monthly Payment (PITI)
$1,488
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,138
per month
Taxes & Insurance
$350
per month
Total Interest Paid
$230K
over 30 years
Total Loan Cost
$410K
all payments
Payment Breakdown
Loan Amount$180,000
Principal & Interest$1,138
Property Taxes$150
Homeowners Insurance$200
Total Monthly PITI$1,488

Closing Costs — Starkville, MS

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

$
%
Mississippi: Avg closing costs 1.4% of price. Transfer tax: 0%.
Estimated Closing Costs
$8,861
3.9% of purchase price
Lender Fees
$2,045
origination, underwriting
Third-Party
$2,575
appraisal, title, inspection
Government Fees
$0
transfer taxes, recording
Prepaids + Escrow
$4,241
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,620
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,425
Recording Fee$150
Prepaid Taxes (3 mo)$450
Prepaid Insurance (12 mo)$2,400
Prepaid Interest (15 days)$541
Escrow Reserves$850
Total Closing Costs$8,861

Buying a Home in Starkville, Mississippi

The median home price in Starkville is $225,000, 29% above the Mississippi state median of $175,000. With a population of 25,495, Starkville 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 $225,000 home in Starkville would carry roughly $150/month in property taxes. Homeowners insurance in Mississippi runs approximately $2,400 per year. This is within the normal range nationally.

Average rent in Starkville is $1,050/month. The price-to-rent ratio in Starkville is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Starkville 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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