DeSoto County, MS Average Home Price (2026)
The average home price in DeSoto County, Mississippi is about $330,500 (the 2026 median across 8 ZIP codes, at ~$168/sq ft) — 116% more expensive than the Mississippi median and 14% more expensive than the typical U.S. home.
How DeSoto County compares
DeSoto County is about average for housing nationally: its typical home costs $330,500 against $153,000 for Mississippi and $289,000 for the U.S. Within the county, ZIP-level values run from about $202,000 to $359,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| DeSoto County | $330,500 | $168 |
| Mississippi | $153,000 | $126 |
| United States | $289,000 | $193 |
DeSoto County home prices by ZIP code
The 8 most valuable ZIP codes in DeSoto County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 38651 Nesbit | $359,000 | $178 | +9% |
| 38632 Hernando | $348,000 | $173 | +5% |
| 38672 Southaven | $335,000 | $165 | +1% |
| 38654 Olive Branch | $334,000 | $160 | +1% |
| 38641 Walls | $327,000 | $172 | -1% |
| 38680 Walls | $260,000 | $171 | -21% |
| 38671 Southaven | $234,000 | $156 | -29% |
| 38637 Horn Lake | $202,000 | $153 | -39% |
Home value appreciation in DeSoto County
Home prices in DeSoto County have risen about 87% over the last 10 years (≈6.4% a year) and +78.3% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +2.4% — still rising. A home worth $330,500 today was worth roughly $177,117 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Mississippi is +62.3% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for DeSoto County
Run the numbers for DeSoto County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in DeSoto County
To buy the typical $330,500 home in DeSoto County with 20% down, you need a household income of roughly $90,000 a year (about $2,100 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $107,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $16,500 | $2,610/mo | $112,000/yr |
| 10% (+PMI) | $33,100 | $2,490/mo | $107,000/yr |
| 20% | $66,100 | $2,100/mo | $90,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in DeSoto County
At about $168 per square foot, here is roughly how much home different budgets get you in DeSoto County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 890 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1190 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1490 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1790 sq ft | around the typical home here |
| $400k | 2380 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Mississippi.
Estimate a specific home in DeSoto County
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DeSoto County home prices: frequently asked
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Browse all Mississippi cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.