Total monthly cost of ownership
Cost to Own a Home in Ecru, Mississippi
A $201,000 home here costs
$1,701per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,033. The real number is $668 higher every month — 65% 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.
Ecru against Pontotoc County and Mississippi
| Measure | Ecru | Pontotoc County |
|---|---|---|
| Median home value | $200,900 | $141,700 |
| Median property tax | $1,262 | $935 |
| Effective tax rate | 0.628% | 0.660% |
| Median gross rent | $808 | $848 |
| Population | 1,566 | 31,312 |
The weather behind that power bill
Ecru sits in Pontotoc County, which averages a high of 89.5°F in its hottest month and a low of 31.4°F in its coldest, with 60.83" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 1,856 cooling and 3,066 heating degree days, which is what sets the $145 electricity line above.
See the full climate breakdown for Pontotoc County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Pontotoc County
Full Pontotoc County cost breakdown · Every county in Mississippi
Common questions
How much does it cost to own a home in Ecru?
A $201,000 home in Ecru, Mississippi costs approximately $1,701 per month with 20% down at 6.66%. That is $1,033 principal and interest, $105 property tax, $182 homeowners insurance, $213 utilities and $168 set aside for maintenance.
What is the property tax rate in Ecru?
Ecru has an effective property tax rate of 0.628%, based on a median home value of $200,900 and median real estate taxes of $1,262. That is lower than the Pontotoc County average of 0.660%.
What is the average home price in Ecru?
The median owner-occupied home value in Ecru, Mississippi is $200,900, against $141,700 across Pontotoc County.
Is it cheaper to rent or buy in Ecru?
Median gross rent in Ecru is $808 a month, against $1,701 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 Ecru — 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.