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Featured local agent — Toomsuba, MS
Sarah Mitchell
Compass Real Estate · Toomsuba, MS
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Toomsuba, MS Housing Market
The typical home in Toomsuba, MS is worth $143,173, held roughly flat 0.3% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $297,000 (through May 2026). With 0.5 months of supply and homes going under contract in about 94 days, Toomsuba is a seller's market. At today's 7.03% 30-year fixed rate, 20% down on a $143,173 home is about $764/mo in principal and interest.
Key numbers for Toomsuba, MS
Typical home value
$143,173
+0.3% in 12 months
Zillow, August 2026
Median sale price
$297,000
Last published period
Redfin, through August 2024
Days on market
94
Slow-moving
Redfin, through August 2024
Active listings
1
0.5 months of supply
Redfin, through August 2024
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$73,380
Home costs 2.0x income
U.S. Census ACS, 2023
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Toomsuba a buyer's or seller's market?
Toomsuba, MS is a seller's market, based on 0.5 months of supply and homes selling in about 94 days. Under 2 months of supply is a severe shortage: expect competition on almost anything priced correctly, and little room to negotiate below asking.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Toomsuba housing market data show?
Every row below is Redfin's final published month for Toomsuba, MS. Redfin, through August 2024
| Metric | Value |
|---|---|
| Median sale price | $297,000 |
| Median list price | $169,000 |
| Median price per sq ft | $112/sq ft |
| Median days on market | 94 days |
| Active inventory | 1 listings |
| Months of supply | 0.5 months |
| Homes sold (that month) | 2 |
| New listings (that month) | 1 |
| Market condition | Seller's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Toomsuba is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Toomsuba is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Toomsuba home prices moved?
Across the 9 months we hold for Toomsuba, MS, the median sale price rose 69.7%, from $175,000 in April 2022 to $297,000. The live Zillow value series has held roughly flat 0.3% in the last 12 months, which is the more current read now that Redfin's series has stopped.
Redfin, through August 2024 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Toomsuba?
Priced off the typical home value of $143,173 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $28,635 | $114,538 | $764/mo |
| 5% | $7,159 | $136,014 | $908/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $764, that implies roughly $32,757 a year before you add taxes and insurance. The median household in Toomsuba earns $73,380, about $40,623 more than that threshold — the typical local household clears the payment on a typical local home with 20% down. That puts the price-to-income ratio at 2.0x — close to the historical 3x norm, which is unusual in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Toomsuba in the next 12 months?
Tell us your timeline. We send the Toomsuba market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Toomsuba?
Zillow does not publish a rent index (ZORI) for Toomsuba, MS, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Toomsuba?
Active listings in Toomsuba, MS went from 1 in September 2022 to 1 in August 2024, a +0.0% change. Inventory has been roughly flat, which usually keeps prices moving with rates rather than with local supply.
| Month | Active listings | New listings |
|---|---|---|
| September 2022 | 1 | not published |
| May 2023 | 2 | 1 |
| June 2023 | 1 | not published |
| December 2023 | 1 | 1 |
| May 2024 | 2 | 1 |
| August 2024 | 1 | 1 |
Redfin, through August 2024
How does Toomsuba compare to Mississippi and the U.S.?
Toomsuba homes sell for $297,000 — 4% above the Mississippi median of $284,300. Against the national median of $410,700, Toomsuba runs 28% lower.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Toomsuba, MS | $297,000 | not published | 94 days |
| Mississippi statewide | $284,300 | +5.7% | 47 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through August 2024 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Toomsuba
What buyers should watch
- Months of supply, currently 0.5. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The gap between 5% and 20% down here is $143 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $143,173 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Toomsuba listing goes under contract in 94 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- In the last published month Toomsuba added 1 new listings against 2 sales — more clearing than arriving, which is the better window to list.
- Your equity moved +0.3% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Toomsuba varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Toomsuba
There are currently 1 homes listed for sale in Toomsuba, Mississippi. The median listing price is $169K.
Active listings
1
Homes on market
Median list price
$169K
Avg. days on market
94
Days until sale
New this week
1
Newly listed
How much do homes cost in Toomsuba by property type?
How the Toomsuba, MS market breaks down across single-family homes, condos and townhouses. Redfin, through August 2024
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $297,000 | $112/sq ft | 2 | 94 days |
Who lives in Toomsuba?
American Community Survey estimates for Toomsuba. U.S. Census ACS, 2023
Population
350
Households
230
Median income
$73,380/yr
Median age
48.2 years
Owner-occupied
56.5%
Median home value
$205,600
56.5% of occupied homes in Toomsuba are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $205,600 against Zillow's $143,173 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which cities are near Toomsuba, MS?
Ordered by distance from Toomsuba, not by size. Compare Toomsuba side by side with any of them.
Toomsuba housing market FAQ
Is Toomsuba a buyer's or seller's market?
Toomsuba, MS is currently a seller's market. That read comes from 0.5 months of supply, homes going under contract in about 94 days in the last month Redfin published (May 2026).
How much do homes cost in Toomsuba?
The typical home in Toomsuba, MS is worth $143,173 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $297,000, about $112 per square foot.
Is Toomsuba cheaper than the rest of Mississippi?
Toomsuba's median sale price of $297,000 is 4% higher than the Mississippi statewide median of $284,300, and 28% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Toomsuba?
Homes in Toomsuba, MS spent a median of 94 days on market before going under contract, versus 47 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Toomsuba?
At the current 30-year fixed rate of 7.03%, 20% down on a $143,173 home is about $764 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $32,757 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $73,380.
Are home prices rising in Toomsuba?
The typical home value in Toomsuba, MS held roughly flat 0.3% over the last 12 months, from $142,792 to $143,173 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Toomsuba?
Toomsuba ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Toomsuba?
That depends on your timeline, not on a headline. What the data says today: Toomsuba, MS is a seller's market with 0.5 months of supply, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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