The calculator below is pre-filled with Harrison County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just Mississippi's statewide figures.

Harrison County at a glance

Effective property tax rate: 0.84% of home value / year
Median home price: $247,239
Homeowners insurance (avg/year): $7,244
Conforming loan limit (1-unit, 2026): $832,750

County data last updated 2026-08-28. FIPS 28047. Full source list on /methodology.

Harrison County, MS mortgage payment calculator

All-in cost first, always — pre-filled with Harrison County tax and insurance figures. Estimate only, not a loan quote or pre-approval.

Not your state? Find your calculator here.

Not sure what you can afford?

Tell us your income and savings instead, and we'll work out the max home price and a qualification signal for Mississippi.

How much house can I afford in Mississippi? →

Not sure where to start?

Continue calculating

Affordability calculator

Income, savings, and debts in — max home price and qualification signal out.

PMI removal calculator

When your PMI is scheduled to end, by law and by request.

Mortgage points calculator

Should you buy down your rate? Break-even and lifetime cost comparison.

Related reading

Closing Costs in Mississippi: What You'll Actually Pay

Mississippi charges no real estate transfer tax and no mortgage recording tax, so closing on a $284,900 home skips the two biggest government line items.

What Is PMI, and How Do You Get Rid of It?

Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.

Guides & templates

Buying a Home With Someone Else

The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.

The First-Time Buyer's Playbook: 12 Months to Closing Day

A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.

Mississippi at a glance

Median home price: $284,900
Typical closing costs: 4%–6% of price
Transfer tax: None
Closing custom: attorney
Homestead exemption: Mississippi's homestead exemption reduces ad-valorem property tax on an owner-occupied primary residence by exempting the first $7,500 of assessed value, capped at $300 of actual tax dollars (whichever is less) — a modest, statewide flat exemption rather than a percentage-of-value or uncapped exemption like some other states. Requires filing with the county tax assessor. dor.ms.gov (the primary source) remains unreachable from this environment (persistent TLS certificate error, reconfirmed 2026-08-28) — this figure is sourced from Wikipedia's 'Homestead exemption' article as a secondary source and accepted for use on that basis. Could not confirm whether an enhanced additional exemption exists for seniors (65+) or disabled homeowners; do not assume one without further verification.

First-time buyer / down payment assistance programs

Mississippi Home Corporation Easy8
Mississippi Home Corporation's (the state HFA) 30-year fixed-rate first mortgage bundled with an $8,000 second mortgage at 0% interest for down payment/closing costs, with the second-mortgage principal due upon sale, refinance, the home becoming non-owner-occupied, or loan maturity.
Mississippi Home Corporation Smart7
Mississippi Home Corporation 30-year fixed-rate first mortgage bundled with a $7,000 second mortgage at 0% interest for down payment/closing costs; per MHC, first-time-buyer status is not required for this program (unlike Easy8/Trusty10), broadening eligibility to repeat buyers in some cases.