Total monthly cost of ownership
Cost to Own a Home in Vancleave, Mississippi
A $219,000 home here costs
$1,934per 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 $83,000 a year.
A standard mortgage calculator would have told you $1,194. The real number is $740 higher every month, 62% 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.
Vancleave against Jackson County and Mississippi
| Measure | Vancleave | Jackson County |
|---|---|---|
| Median home value | $218,900 | $181,700 |
| Median property tax | $1,496 | $1,332 |
| Effective tax rate | 0.683% | 0.733% |
| Median gross rent | — | $1,087 |
| Population | 5,196 | 144,437 |
The weather behind that power bill
Vancleave 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 Vancleave 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 Vancleave every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Vancleave I already own here and may sell
Common questions
How much does it cost to own a home in Vancleave?
A $219,000 home in Vancleave, Mississippi costs approximately $1,934 per month with 20% down at 7.24%. That is $1,194 principal and interest, $125 property tax, $198 homeowners insurance, $235 utilities and $183 set aside for maintenance.
What is the property tax rate in Vancleave?
Vancleave has an effective property tax rate of 0.683%, based on a median home value of $218,900 and median real estate taxes of $1,496. That is lower than the Jackson County average of 0.733%.
What is the average home price in Vancleave?
The median owner-occupied home value in Vancleave, Mississippi is $218,900, against $181,700 across Jackson County.
Is it cheaper to rent or buy in Vancleave?
Rent data is not published for Vancleave at this level of detail.
What salary do you need to buy a home in Vancleave?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Vancleave, Mississippi at today's rate takes a household income of roughly $83,000 a year. That covers the full $1,934 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Vancleave, 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.