Total monthly cost of ownership
Cost to Own a Home in Crystal Springs, Mississippi
A $88,000 home here costs
$952per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $41,000 a year.
A standard mortgage calculator would have told you $480. The real number is $472 higher every month, 98% more than the payment most buyers budget for.
Compare Copiah County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Crystal Springs from a five-year rolling sample, and with about 4,766 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Copiah County figures are drawn from a far larger sample if you want a steadier number.
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 $167 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
Talk to someone who works this market
These are Crystal Springs averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Crystal Springs every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Crystal Springs I already own here and may sell
Common questions
How much does it cost to own a home in Crystal Springs?
A $88,000 home in Crystal Springs, Mississippi costs approximately $952 per month with 20% down at 7.24%. That is $480 principal and interest, $85 property tax, $80 homeowners insurance, $235 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 $952 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Crystal Springs?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Crystal Springs, Mississippi at today's rate takes a household income of roughly $41,000 a year. That covers the full $952 monthly cost, not just the mortgage payment.
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.