Total monthly cost of ownership
Cost to Own a Home in Gautier, Mississippi
A $163,000 home here costs
$1,502per 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 $64,500 a year.
A standard mortgage calculator would have told you $889. The real number is $614 higher every month, 69% more than the payment most buyers budget for.
Compare Jackson County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Gautier against Jackson County and Mississippi
| Measure | Gautier | Jackson County |
|---|---|---|
| Median home value | $162,700 | $181,700 |
| Median property tax | $1,144 | $1,332 |
| Effective tax rate | 0.703% | 0.733% |
| Median gross rent | $1,077 | $1,087 |
| Population | 19,026 | 144,437 |
The weather behind that power bill
Gautier sits in Jackson County, which averages a high of 90.9°F in its hottest month and a low of 40.9°F in its coldest, with 61.73" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 2,614 cooling and 1,558 heating degree days, which is what sets the $167 electricity line above.
See the full climate breakdown for Jackson County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Jackson County
Full Jackson County cost breakdown · Every county in Mississippi
Talk to someone who works this market
These are Gautier 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 Gautier every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Gautier I already own here and may sell
Common questions
How much does it cost to own a home in Gautier?
A $163,000 home in Gautier, Mississippi costs approximately $1,502 per month with 20% down at 7.24%. That is $889 principal and interest, $95 property tax, $148 homeowners insurance, $235 utilities and $136 set aside for maintenance.
What is the property tax rate in Gautier?
Gautier has an effective property tax rate of 0.703%, based on a median home value of $162,700 and median real estate taxes of $1,144. That is lower than the Jackson County average of 0.733%.
What is the average home price in Gautier?
The median owner-occupied home value in Gautier, Mississippi is $162,700, against $181,700 across Jackson County.
Is it cheaper to rent or buy in Gautier?
Median gross rent in Gautier is $1,077 a month, against $1,502 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 Gautier?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Gautier, Mississippi at today's rate takes a household income of roughly $64,500 a year. That covers the full $1,502 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Gautier, 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.