The story of this market
The typical home in ZIP 38863 sells for about $259,000, or $135 per square foot.
Prices are up +4.2% from a year ago, so sellers still have some momentum. Homes take about 76 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $864 a month.
ZIP 38863 — Pontotoc
The 38863 housing market remains stable with moderate price appreciation and consistent demand. Inventory levels are sufficient to support current sales volume, driven by local affordability and proximity to regional employment hubs.
This ZIP is well-suited for families and local workers seeking an affordable, small-town environment with convenient access to larger regional employment centers.
Median prices moved up 4.2% year over year.
Homes spend a median of 76 days on market with 4.8 months of supply — a balanced-paced market.
12% of listings have cut prices · homes sell at 97.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.3% · poverty 14.6% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 9.4%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 7.6%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 38863, Pontotoc County MS
Crime rates in Pontotoc are generally lower than the national average, with property crime being the most frequently reported incident type.
Schools in the Pontotoc City School District are generally well-regarded, with several campuses maintaining high accountability ratings from the state.
The area is subject to standard regional risks including severe thunderstorms and occasional tornado activity, with flood risk concentrated near local creek beds.
Economic momentum is driven by local manufacturing and retail sectors, with steady residential development occurring on the outskirts of the city.
Property taxes are assessed by Pontotoc County based on fair market value, with millage rates determined by local school district and municipal requirements.
Most residents commute by car, with primary access to employment hubs in Tupelo via Highway 6 and Highway 15.
The area features access to the Tanglefoot Trail, local city parks, and proximity to outdoor activities at the Natchez Trace Parkway.
The rental market is characterized by moderate demand and limited inventory, with a mix of single-family homes and small apartment complexes.
The local economy is anchored by manufacturing, healthcare, and education, with significant employment ties to the nearby Tupelo market.
Transportation is heavily reliant on private vehicles, with Highway 6 and Highway 15 serving as the primary arterial corridors.
Development is focused on expanding residential capacity through new subdivision approvals on the city's periphery.
The Pontotoc County Tax Assessor manages property valuations, conducting periodic reappraisals to ensure tax equity.
Parcels are subject to Pontotoc City School District taxes and various county-level service districts.
Property insurance premiums are influenced by regional weather patterns, with standard coverage available for wind and hail.
Data retrieved from U.S. Census Bureau ZCTA-level tables.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
A popular 43.6-mile rail-trail for cycling and walking.
Provides sports fields, playgrounds, and picnic areas.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.