Total monthly cost of ownership
Cost to Own a Home in Pass Christian, Mississippi
A $257,000 home here costs
$2,273per month, all in, with 20% down at today's 7.40% 30-year fixed rate. By the 28% rule that takes a household income of about $97,500 a year.
A standard mortgage calculator would have told you $1,424. The real number is $850 higher every month, 60% more than the payment most buyers budget for.
Compare Harrison 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.
Pass Christian against Harrison County and Mississippi
| Measure | Pass Christian | Harrison County |
|---|---|---|
| Median home value | $257,300 | $199,300 |
| Median property tax | $2,004 | $1,289 |
| Effective tax rate | 0.779% | 0.647% |
| Median gross rent | $1,092 | $1,074 |
| Population | 5,942 | 209,443 |
The weather behind that power bill
Pass Christian sits in Harrison County, which averages a high of 90.7°F in its hottest month and a low of 42.4°F in its coldest, with 62.82" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 2,749 cooling and 1,507 heating degree days, which is what sets the $168 electricity line above.
See the full climate breakdown for Harrison County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Harrison County
Full Harrison County cost breakdown · Every county in Mississippi
Talk to someone who works this market
These are Pass Christian 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 Pass Christian every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Pass Christian I already own here and may sell
Common questions
How much does it cost to own a home in Pass Christian?
A $257,000 home in Pass Christian, Mississippi costs approximately $2,273 per month with 20% down at 7.4%. That is $1,424 principal and interest, $167 property tax, $233 homeowners insurance, $236 utilities and $214 set aside for maintenance.
What is the property tax rate in Pass Christian?
Pass Christian has an effective property tax rate of 0.779%, based on a median home value of $257,300 and median real estate taxes of $2,004. That is higher than the Harrison County average of 0.647%.
What is the average home price in Pass Christian?
The median owner-occupied home value in Pass Christian, Mississippi is $257,300, against $199,300 across Harrison County.
Is it cheaper to rent or buy in Pass Christian?
Median gross rent in Pass Christian is $1,092 a month, against $2,273 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 Pass Christian?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Pass Christian, Mississippi at today's rate takes a household income of roughly $97,500 a year. That covers the full $2,273 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Pass Christian, 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.