Total monthly cost of ownership
Cost to Own a Home in Crystal Springs, Mississippi
A $88,000 home here costs
$903per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $452. The real number is $451 higher every month — 100% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Crystal Springs against Copiah County and Mississippi
| Measure | Crystal Springs | Copiah County |
|---|---|---|
| Median home value | $88,300 | $105,600 |
| Median property tax | $1,019 | $833 |
| Effective tax rate | 1.154% | 0.789% |
| Median gross rent | $689 | $682 |
| Population | 4,766 | 27,994 |
The weather behind that power bill
Crystal Springs sits in Copiah County, which averages a high of 90.4°F in its hottest month and a low of 39.3°F in its coldest, with 61.64" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 2,291 cooling and 2,011 heating degree days, which is what sets the $145 electricity line above.
See the full climate breakdown for Copiah County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Copiah County
Full Copiah County cost breakdown · Every county in Mississippi
Common questions
How much does it cost to own a home in Crystal Springs?
A $88,000 home in Crystal Springs, Mississippi costs approximately $903 per month with 20% down at 6.66%. That is $452 principal and interest, $85 property tax, $80 homeowners insurance, $213 utilities and $73 set aside for maintenance.
What is the property tax rate in Crystal Springs?
Crystal Springs has an effective property tax rate of 1.154%, based on a median home value of $88,300 and median real estate taxes of $1,019. That is higher than the Copiah County average of 0.789%.
What is the average home price in Crystal Springs?
The median owner-occupied home value in Crystal Springs, Mississippi is $88,300, against $105,600 across Copiah County.
Is it cheaper to rent or buy in Crystal Springs?
Median gross rent in Crystal Springs is $689 a month, against $903 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Crystal Springs — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Mississippi.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.