Starkville Mortgage Rates & Closing Costs

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    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Starkville averaged 6.91% for the week of 2025-04-10, compared to the national average of 6.62% for the same period.

    The average rate for the prior week (2025-04-03) was 6.63% and one month ago for the week of 2025-03-06, the average rate was 6.72%.

    Starkville's average rate one year ago was 6.71%.

    For refis of the same type during the week of 2025-04-10, the average rate was 7.02%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-10 6.62%
    Starkville 30 Year Fixed Rate 2025-04-10 6.91%
    Starkville 30 Year Fixed Rate Refi 2025-04-10 7.02%
    Starkville 15 Year Fixed Rate 2025-04-10 5.72%
    Starkville 15 Year Fixed Rate Refi 2025-04-10 5.92%
    Starkville 30 Year FHA 2025-04-10 6.52%
    Starkville 30 Year FHA Refi 2025-04-10 6.23%
    Starkville 30 Year USDA 2025-04-10 6.55%
    Starkville 30 Year USDA Refi 2025-04-10 6.55%
    Starkville 30 Year VA 2025-04-10 6.49%
    Starkville 30 Year VA Refi 2025-04-10 6.09%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Starkville, MS.

    Starkville Top Lenders by Rates & Fees

    The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Starkville, MS market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    BancorpSouth 61 6.66% $5,192
    Renasant Bank 31 6.80% $6,880
    QUICKEN LOANS, LLC 21 6.68% $6,363
    Flagstar Bank, FSB 10 6.91% $8,134
    Trustmark National Bank 9 6.85% $4,579
    UNION HOME MORTGAGE CORP. 8 5.95% $8,158
    Magnolia Bank 7 6.87% $5,352
    BankPlus 7 6.75% $3,787
    FIRST COMMUNITY MORTGAGE, INC. 5 6.62% $6,205
    Regions Bank 5 6.88% $5,385
    CB&S Bank, Inc. 4 6.32% $3,189
    SIRVA MORTGAGE, INC. 4 6.84% $715
    LAND HOME FINANCIAL SERVICES, INC. 4 7.13% $6,465
    LOANDEPOT.COM, LLC 4 6.56% $6,607
    UNITED WHOLESALE MORTGAGE, LLC 3 7.02% $7,909
    Morgan Stanley Private Bank 3 6.12% $4,265
    CROSSCOUNTRY MORTGAGE, LLC 3 7.48% $8,570
    Arvest Bank 2 7.13% $5,966
    CIS Financial Services, Inc. 2 6.38% $5,947
    EVANSVILLE TEACHERS 2 6.81% $3,158
    JPMorgan Chase Bank 2 6.56% $6,300
    ROYAL UNITED MORTGAGE LLC 2 7.00% $7,718
    MOVEMENT MORTGAGE, LLC 2 7.44% $7,508
    CARDINAL FINANCIAL 2 7.00% $5,140
    NAVY FEDERAL CREDIT UNION 1 6.50% $3,476
    NEWREZ LLC 1 8.38% $7,493
    PENTAGON FEDERAL CREDIT UNION 1 6.50% $2,218
    Pinnacle Bank 1 7.00% $4,113
    Plains Commerce Bank 1 7.25% $8,190
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.88% $7,910
    Raymond James Bank 1 6.25% $3,699
    Simmons Bank 1 7.50% $3,615
    Stifel Bank and Trust 1 6.13% $4,353
    STOCKTON MORTGAGE CORPORATION 1 7.50% $7,072
    TEACHERS 1 7.75% $6,940
    The Citizens National Bank of Meridian 1 6.12% $5,085
    21ST MORTGAGE CORPORATION 1 8.27% $5,106
    Wells Fargo Bank 1 5.25% $0
    AMERICAN FINANCIAL NETWORK, INC. 1 7.25% $7,631
    American Mortgage Bank, LLC 1 7.25% $21,874
    AMERISAVE MORTGAGE CORPORATION 1 7.13% $6,312
    Bank of America 1 5.25% $4,108
    Bank of England 1 7.38% $6,924
    BETTER MORTGAGE CORPORATION 1 5.88% $2,723
    BROKER SOLUTIONS, INC. 1 7.13% $4,791
    Community Bank of Mississippi 1 8.30% $4,010
    Eagle Bank and Trust Company 1 7.13% $4,286
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.13% $9,376
    Farm Credit Mid-America, ACA 1 7.00% $4,435
    FIRST COLONY MORTGAGE CORPORATION 1 6.13% $5,077
    First Federal Bank 1 6.50% $4,101
    First Federal Bank, A FSB 1 6.63% $6,774
    First Financial Bank 1 6.63% $9,110
    First Horizon Bank 1 7.63% $4,602
    FLAT BRANCH MORTGAGE, INC. 1 6.38% $3,071
    GENEVA FINANCIAL, LLC 1 6.63% $7,436
    GMFS LLC 1 6.88% $5,509
    GUILD MORTGAGE COMPANY 1 6.88% $4,110
    MORTGAGE INVESTORS GROUP, INC. 1 6.88% $5,584
    Mortgage Research Center, LLC 1 5.99% $8,500
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.63% $3,279

    Starkville Average Closing Costs & Other Stats

    Starkville, MS's 61 lenders originated 849 loans during 2024. The total origination value was $183,835,000, with an average loan value of $216,531.

    Starkville's average closing costs are $5,158.

    The top Starkville lender as defined by loan originations is BancorpSouth, with 61 loans originated. Their average total fees are $5,192, which is $1,688 lower than the next largest lender, Renasant Bank.

    The lowest fee Starkville lenders (with over 10 loans originated) are BancorpSouth ($5,192), QUICKEN LOANS, LLC ($6,363), Renasant Bank ($6,880), Flagstar Bank, FSB ($8,134) and .

    The lowest rate Starkville lenders (with over 10 loans originated) are BancorpSouth (6.66%), QUICKEN LOANS, LLC (6.68%), Renasant Bank (6.80%), Flagstar Bank, FSB (6.91%) and .

    Starkville, MS Mortgage Market Share & Volume

    Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

    Name 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    BancorpSouth $37,130,000 $29,290,000 -21.1% 15.9%
    Renasant Bank $17,965,000 $24,745,000 37.7% 13.5%
    BankFirst Financial Services $15,105,000 $11,035,000 -26.9% 6.0%
    QUICKEN LOANS, LLC $4,890,000 $9,665,000 97.6% 5.3%
    BankPlus $5,995,000 $9,505,000 58.5% 5.2%
    Arbor Realty Trust, Inc. $7,235,000 n/a 3.9%
    Flagstar Bank, FSB $9,710,000 $6,270,000 -35.4% 3.4%
    Regions Bank $4,060,000 $4,100,000 1.0% 2.2%
    Community Bank of Mississippi $4,040,000 $3,735,000 -7.5% 2.0%
    Trustmark National Bank $3,210,000 $3,550,000 10.6% 1.9%
    21ST MORTGAGE CORPORATION $3,740,000 $3,515,000 -6.0% 1.9%
    UNION HOME MORTGAGE CORP. $3,355,000 n/a 1.8%
    LAND HOME FINANCIAL SERVICES, INC. $2,340,000 n/a 1.3%
    Magnolia Bank $1,205,000 $2,330,000 93.4% 1.3%
    The First, A National Banking Association $2,920,000 $2,305,000 -21.1% 1.3%
    LOANDEPOT.COM, LLC $670,000 $2,275,000 239.6% 1.2%
    FIRST COMMUNITY MORTGAGE, INC. $1,330,000 $2,270,000 70.7% 1.2%
    Guaranty Bank and Trust Company $3,185,000 $2,190,000 -31.2% 1.2%
    Mortgage Research Center, LLC $2,890,000 $2,010,000 -30.4% 1.1%
    CARDINAL FINANCIAL $315,000 $1,815,000 476.2% 1.0%
    UNITED WHOLESALE MORTGAGE, LLC $1,095,000 $1,775,000 62.1% 1.0%
    Morgan Stanley Private Bank $1,695,000 n/a 0.9%
    SIRVA MORTGAGE, INC. $875,000 $1,695,000 93.7% 0.9%
    MOVEMENT MORTGAGE, LLC $1,060,000 $1,595,000 50.5% 0.9%
    CROSSCOUNTRY MORTGAGE, LLC $590,000 $1,505,000 155.1% 0.8%
    NAVY FEDERAL CREDIT UNION $250,000 $1,490,000 496.0% 0.8%
    TRIAD FINANCIAL SERVICES, INC. $395,000 $1,450,000 267.1% 0.8%
    Arvest Bank $1,250,000 n/a 0.7%
    CIS Financial Services, Inc. $4,860,000 $1,245,000 -74.4% 0.7%
    PriorityOne Bank $415,000 $1,245,000 200.0% 0.7%
    CB&S Bank, Inc. $1,100,000 $1,240,000 12.7% 0.7%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,600,000 $1,010,000 -36.9% 0.5%
    NEW DAY FINANCIAL, LLC $490,000 $985,000 101.0% 0.5%
    PENNYMAC LOAN SERVICES, LLC $1,450,000 $985,000 -32.1% 0.5%
    The Citizens National Bank of Meridian $1,470,000 $965,000 -34.4% 0.5%
    Bank of America $500,000 $920,000 84.0% 0.5%
    The Citizens Bank of Philadelphia, Mississippi $175,000 $870,000 397.1% 0.5%
    STOCKTON MORTGAGE CORPORATION $315,000 $865,000 174.6% 0.5%
    JPMorgan Chase Bank $1,535,000 $850,000 -44.6% 0.5%
    MUTUAL OF OMAHA MORTGAGE, INC. $545,000 $830,000 52.3% 0.5%
    FirstBank $260,000 $825,000 217.3% 0.4%
    Mr. Cooper ( Nationstar Mortgage ) $885,000 $730,000 -17.5% 0.4%
    Armed Forces Bank $725,000 n/a 0.4%
    BETTER MORTGAGE CORPORATION $725,000 n/a 0.4%
    Bank of England $340,000 $705,000 107.4% 0.4%
    SOUTHWEST STAGE FUNDING, LLC $165,000 $680,000 312.1% 0.4%
    CSL Financial, LLC $330,000 $580,000 75.8% 0.3%
    Raymond James Bank $575,000 n/a 0.3%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $555,000 n/a 0.3%
    FREEDOM MORTGAGE CORPORATION $605,000 $540,000 -10.7% 0.3%
    Malvern National Bank $515,000 n/a 0.3%
    PLANET HOME LENDING, LLC $185,000 $505,000 173.0% 0.3%
    American Mortgage Bank, LLC $485,000 n/a 0.3%
    GUARANTEED RATE, INC. $470,000 n/a 0.3%
    Origin Bank $535,000 $470,000 -12.1% 0.3%
    BROKER SOLUTIONS, INC. $55,000 $445,000 709.1% 0.2%
    CMG MORTGAGE, INC. $435,000 n/a 0.2%
    Amarillo National Bank $425,000 n/a 0.2%
    EVANSVILLE TEACHERS $765,000 $420,000 -45.1% 0.2%
    First Horizon Bank $815,000 $420,000 -48.5% 0.2%
    Merchants & Marine Bank $345,000 $415,000 20.3% 0.2%
    USAA Federal Savings Bank $515,000 $410,000 -20.4% 0.2%
    FIRST COLONY MORTGAGE CORPORATION $400,000 n/a 0.2%
    Barrington Bank & Trust Company, N.A. $390,000 n/a 0.2%
    KEESLER $1,760,000 $370,000 -79.0% 0.2%
    Wells Fargo Bank $705,000 $360,000 -48.9% 0.2%
    The Federal Savings Bank $345,000 n/a 0.2%
    Ohnward Bank & Trust $335,000 n/a 0.2%
    First Federal Bank $325,000 n/a 0.2%
    LEADERONE FINANCIAL CORPORATION $685,000 $315,000 -54.0% 0.2%
    ROYAL UNITED MORTGAGE LLC $135,000 $315,000 133.3% 0.2%
    The Peoples Bank, Biloxi, Mississippi $315,000 n/a 0.2%
    DIGITAL Federal Credit Union $325,000 $305,000 -6.2% 0.2%
    Plains Commerce Bank $305,000 n/a 0.2%
    HOMEXPRESS MORTGAGE CORP. $300,000 n/a 0.2%
    AMERISAVE MORTGAGE CORPORATION $390,000 $295,000 -24.4% 0.2%
    First Federal Bank, A FSB $275,000 $295,000 7.3% 0.2%
    GENEVA FINANCIAL, LLC $325,000 $295,000 -9.2% 0.2%
    Independent Bank $295,000 n/a 0.2%
    Pinnacle Bank $295,000 n/a 0.2%
    First Commercial Bank $360,000 $285,000 -20.8% 0.2%
    AMERICAN HERITAGE LENDING, INC. $275,000 n/a 0.1%
    PENTAGON FEDERAL CREDIT UNION $265,000 n/a 0.1%
    Byron Bank $255,000 n/a 0.1%
    First Bank $325,000 $255,000 -21.5% 0.1%
    GUARANTEED RATE AFFINITY, LLC $255,000 n/a 0.1%
    NEWREZ LLC $195,000 $250,000 28.2% 0.1%
    AMERICAN FINANCIAL NETWORK, INC. $245,000 n/a 0.1%
    Stifel Bank and Trust $245,000 n/a 0.1%
    First Financial Bank $235,000 n/a 0.1%
    GMFS LLC $1,200,000 $225,000 -81.3% 0.1%
    Carrington Mortgage Services, LLC $135,000 $220,000 63.0% 0.1%
    West Alabama Bank & Trust $330,000 $220,000 -33.3% 0.1%
    First Southern Bank $215,000 n/a 0.1%
    Metro Bank $215,000 n/a 0.1%
    Planters Bank & Trust Company $1,115,000 $215,000 -80.7% 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $115,000 $205,000 78.3% 0.1%
    Hometown Equity Mortgage, LLC $205,000 n/a 0.1%
    MORTGAGE INVESTORS GROUP, INC. $580,000 $205,000 -64.7% 0.1%
    GUILD MORTGAGE COMPANY $185,000 n/a 0.1%
    HOMESIDE FINANCIAL, LLC $375,000 $185,000 -50.7% 0.1%
    TEACHERS $185,000 n/a 0.1%
    Equity Prime Mortgage LLC $430,000 $175,000 -59.3% 0.1%
    VELOCITY COMMERCIAL CAPITAL, LLC $175,000 n/a 0.1%
    Citizens Bank $2,660,000 $165,000 -93.8% 0.1%
    CHURCHILL MORTGAGE CORPORATION $635,000 $155,000 -75.6% 0.1%
    Discover Bank $90,000 $140,000 55.6% 0.1%
    Great Southern Bank $255,000 $135,000 -47.1% 0.1%
    PLAZA HOME MORTGAGE, INC. $135,000 n/a 0.1%
    Coastal Community Bank $125,000 n/a 0.1%
    Farm Credit Mid-America, ACA $125,000 n/a 0.1%
    Copiah Bank $115,000 n/a 0.1%
    Eagle Bank and Trust Company $115,000 n/a 0.1%
    FLAT BRANCH MORTGAGE, INC. $115,000 n/a 0.1%
    CHEVRON $170,000 $105,000 -38.2% 0.1%
    Simmons Bank $265,000 $95,000 -64.2% 0.1%
    The Bank of Fayette County $285,000 $85,000 -70.2% 0.0%
    U.S. Bank $150,000 $65,000 -56.7% 0.0%
    VANDERBILT MORTGAGE AND FINANCE, INC. $55,000 $65,000 18.2% 0.0%
    Deere Employees Credit Union $55,000 n/a 0.0%
    Bank of Yazoo City $205,000 $45,000 -78.0% 0.0%
    Figure Lending LLC $90,000 $45,000 -50.0% 0.0%

    Starkville's top lender by overall market share is BancorpSouth, with 15.9% market share. In second place, with 13.5%, is Renasant Bank, having originated $24,745,000 in loans. In third place, with 6.0%, is BankFirst Financial Services, having originated $11,035,000 in loans. In fourth place, with 5.3%, is QUICKEN LOANS, LLC, having originated $9,665,000 in loans. In fifth place, with 5.2%, is BankPlus, having originated $9,505,000 in loans.

    Starkville Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Starkville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $231,400 (-10.0%) $262,630 (-1.3%) 0.00 224
    2018-02-01 $231,450 (-10.0%) $261,971 (-2.1%) 0.00 216
    2018-03-01 $229,900 (-8.0%) $258,067 (-3.8%) 0.00 246
    2018-04-01 $225,000 (-13.3%) $253,860 (-5.8%) 0.00 281
    2018-05-01 $224,975 (-8.3%) $250,621 (-5.8%) 0.00 293
    2018-06-01 $225,000 (-12.4%) $250,665 (-6.8%) 0.00 282
    2018-07-01 $228,950 (-8.4%) $253,395 (-4.4%) 0.00 292
    2018-08-01 $223,400 (-7.1%) $255,652 (-0.1%) 0.00 286
    2018-09-01 $228,500 (-5.0%) $259,151 (-0.7%) 0.00 271
    2018-10-01 $231,750 (-2.0%) $256,067 (-2.6%) 0.00 286
    2018-11-01 $232,810 (0.9%) $260,341 (0.3%) 0.00 273
    2018-12-01 $237,400 (1.5%) $262,255 (0.0%) 0.00 255
    2019-01-01 $239,900 (3.7%) $260,144 (-1.0%) 0.00 252
    2019-02-01 $240,675 (4.0%) $263,654 (0.6%) 0.00 265
    2019-03-01 $243,286 (5.8%) $266,577 (3.3%) 0.00 269
    2019-04-01 $245,786 (9.2%) $271,928 (7.1%) 0.00 273
    2019-05-01 $245,125 (9.0%) $273,459 (9.1%) 0.00 282
    2019-06-01 $239,900 (6.6%) $273,275 (9.0%) 0.00 275
    2019-07-01 $251,888 (10.0%) $284,220 (12.2%) 0.00 273
    2019-08-01 $252,927 (13.2%) $282,835 (10.6%) 0.00 266
    2019-09-01 $250,718 (9.7%) $281,373 (8.6%) 0.00 254
    2019-10-01 $249,000 (7.4%) $280,398 (9.5%) 0.00 243
    2019-11-01 $244,250 (4.9%) $279,961 (7.5%) 0.00 236
    2019-12-01 $242,500 (2.2%) $282,881 (7.9%) 0.00 223
    2020-01-01 $252,000 (5.0%) $294,872 (13.4%) 0.00 215
    2020-02-01 $261,640 (8.7%) $310,262 (17.7%) 0.00 214
    2020-03-01 $265,860 (9.3%) $312,402 (17.2%) 0.00 221
    2020-04-01 $261,175 (6.3%) $309,620 (13.9%) 0.00 209
    2020-05-01 $249,900 (2.0%) $291,737 (6.7%) 0.00 239
    2020-06-01 $253,750 (5.8%) $291,188 (6.6%) 0.00 227
    2020-07-01 $264,975 (5.2%) $292,156 (2.8%) 0.00 219
    2020-08-01 $249,950 (-1.2%) $284,844 (0.7%) 0.00 230
    2020-09-01 $231,175 (-7.8%) $278,979 (-0.9%) 0.00 227
    2020-10-01 $238,500 (-4.2%) $283,733 (1.2%) 0.00 223
    2020-11-01 $245,750 (0.6%) $281,130 (0.4%) 0.00 199
    2020-12-01 $218,500 (-9.9%) $276,259 (-2.3%) 0.00 201
    2021-01-01 $210,000 (-16.7%) $282,461 (-4.2%) 0.00 191
    2021-02-01 $241,750 (-7.6%) $282,931 (-8.8%) 0.00 187
    2021-03-01 $239,575 (-9.9%) $280,809 (-10.1%) 0.00 170
    2021-04-01 $265,283 (1.6%) $291,290 (-5.9%) 0.00 151
    2021-05-01 $263,550 (5.5%) $293,098 (0.5%) 0.00 145
    2021-06-01 $254,590 (0.3%) $288,178 (-1.0%) 0.00 161
    2021-07-01 $252,255 (-4.8%) $283,290 (-3.0%) 0.00 167
    2021-08-01 $244,200 (-2.3%) $285,240 (0.1%) 0.00 150
    2021-09-01 $228,325 (-1.2%) $278,524 (-0.2%) 0.00 148
    2021-10-01 $225,000 (-5.7%) $281,206 (-0.9%) 0.00 131
    2021-11-01 $259,925 (5.8%) $318,998 (13.5%) 0.00 91
    2021-12-01 $277,950 (27.2%) $350,267 (26.8%) 0.00 65
    2022-01-01 $275,000 (31.0%) $347,752 (23.1%) 0.00 76
    2022-02-01 $337,450 (39.6%) $380,847 (34.6%) 0.00 78
    2022-03-01 $333,450 (39.2%) $367,697 (30.9%) 0.00 89
    2022-04-01 $338,000 (27.4%) $371,236 (27.5%) 0.00 74
    2022-05-01 $328,150 (24.5%) $365,310 (24.6%) 0.00 78
    2022-06-01 $327,700 (28.7%) $355,574 (23.4%) 0.00 95
    2022-07-01 $346,250 (37.3%) $374,836 (32.3%) 0.00 112
    2022-08-01 $335,900 (37.6%) $377,783 (32.4%) 0.00 91
    2022-09-01 $337,400 (47.8%) $378,524 (35.9%) 0.00 94
    2022-10-01 $356,200 (58.3%) $382,219 (35.9%) 0.00 95
    2022-11-01 $354,150 (36.3%) $381,351 (19.6%) 0.00 105
    2022-12-01 $367,950 (32.4%) $387,874 (10.7%) 0.00 94
    2023-01-01 $380,000 (38.2%) $402,690 (15.8%) 0.00 95
    2023-02-01 $410,975 (21.8%) $406,337 (6.7%) 0.00 89
    2023-03-01 $413,125 (23.9%) $415,980 (13.1%) 0.00 93
    2023-04-01 $409,900 (21.3%) $407,687 (9.8%) 0.00 98
    2023-05-01 $407,775 (24.3%) $413,348 (13.2%) 0.00 114
    2023-06-01 $394,375 (20.4%) $401,686 (13.0%) 0.00 115
    2023-07-01 $409,900 (18.4%) $410,052 (9.4%) 0.00 108
    2023-08-01 $409,900 (22.0%) $430,981 (14.1%) 0.00 123
    2023-09-01 $372,500 (10.4%) $421,858 (11.5%) 0.00 107
    2023-10-01 $360,000 (1.1%) $419,855 (9.9%) 0.00 124
    2023-11-01 $352,250 (-0.5%) $405,054 (6.2%) 0.00 148
    2023-12-01 $367,250 (-0.2%) $426,715 (10.0%) 0.00 155
    2024-01-01 $378,750 (-0.3%) $427,145 (6.1%) 0.00 141
    2024-02-01 $376,500 (-8.4%) $418,631 (3.0%) 0.00 141
    2024-03-01 $378,000 (-8.5%) $421,485 (1.3%) 0.00 155
    2024-04-01 $372,450 (-9.1%) $416,860 (2.3%) 0.00 174
    2024-05-01 $375,000 (-8.0%) $419,151 (1.4%) 0.00 182
    2024-06-01 $375,000 (-4.9%) $414,945 (3.3%) 0.00 195
    2024-07-01 $351,250 (-14.3%) $404,773 (-1.3%) 0.00 216
    2024-08-01 $349,999 (-14.6%) $394,143 (-8.6%) 0.00 212
    2024-09-01 $346,224 (-7.1%) $388,800 (-7.8%) 0.00 221
    2024-10-01 $350,000 (-2.8%) $399,796 (-4.8%) 0.00 214
    2024-11-01 $349,900 (-0.7%) $396,683 (-2.1%) 0.00 206
    2024-12-01 $335,000 (-8.8%) $383,922 (-10.0%) 0.00 194
    2025-01-01 $339,325 (-10.4%) $379,585 (-11.1%) 0.00 168
    2025-02-01 $345,625 (-8.2%) $379,522 (-9.3%) 0.00 177
    2025-03-01 $377,500 (-0.1%) $392,760 (-6.8%) 0.00 174
    Starkville's median listing price for 2025-03-01 was $377,500, a difference of $-500 (-0.1%) versus the prior year and $31,875 versus the prior month.

    Starkville's median listing price comes in at 0% of the national average.

    Starkville's average listing price for 2025-03-01 was $392,760, a difference of $-28,725 (-6.8%) versus the prior year and $13,238 versus the prior month.

    For the 2025-03-01 period, Starkville had 174 MLS listings, a difference of -3 listings (-2%) versus the prior month and 19 listings (12%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Starkville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,793 sqft
    2018-02-01 0 days 1,762 sqft
    2018-03-01 0 days 1,790 sqft
    2018-04-01 0 days 1,723 sqft
    2018-05-01 0 days 1,677 sqft
    2018-06-01 0 days 1,690 sqft
    2018-07-01 0 days 1,734 sqft
    2018-08-01 0 days 1,762 sqft
    2018-09-01 0 days 1,734 sqft
    2018-10-01 0 days 1,700 sqft
    2018-11-01 0 days 1,689 sqft
    2018-12-01 0 days 1,689 sqft
    2019-01-01 0 days 1,667 sqft
    2019-02-01 0 days 1,689 sqft
    2019-03-01 0 days 1,689 sqft
    2019-04-01 0 days 1,684 sqft
    2019-05-01 0 days 1,628 sqft
    2019-06-01 0 days 1,610 sqft
    2019-07-01 0 days 1,708 sqft
    2019-08-01 0 days 1,732 sqft
    2019-09-01 0 days 1,748 sqft
    2019-10-01 0 days 1,758 sqft
    2019-11-01 0 days 1,736 sqft
    2019-12-01 0 days 1,727 sqft
    2020-01-01 0 days 1,735 sqft
    2020-02-01 0 days 1,759 sqft
    2020-03-01 0 days 1,759 sqft
    2020-04-01 0 days 1,757 sqft
    2020-05-01 0 days 1,710 sqft
    2020-06-01 0 days 1,728 sqft
    2020-07-01 0 days 1,736 sqft
    2020-08-01 0 days 1,713 sqft
    2020-09-01 0 days 1,651 sqft
    2020-10-01 0 days 1,645 sqft
    2020-11-01 0 days 1,594 sqft
    2020-12-01 0 days 1,547 sqft
    2021-01-01 0 days 1,517 sqft
    2021-02-01 0 days 1,509 sqft
    2021-03-01 0 days 1,484 sqft
    2021-04-01 0 days 1,465 sqft
    2021-05-01 0 days 1,425 sqft
    2021-06-01 0 days 1,403 sqft
    2021-07-01 0 days 1,400 sqft
    2021-08-01 0 days 1,473 sqft
    2021-09-01 0 days 1,508 sqft
    2021-10-01 0 days 1,508 sqft
    2021-11-01 0 days 1,664 sqft
    2021-12-01 0 days 1,832 sqft
    2022-01-01 0 days 1,877 sqft
    2022-02-01 0 days 1,689 sqft
    2022-03-01 0 days 2,050 sqft
    2022-04-01 0 days 2,032 sqft
    2022-05-01 0 days 1,992 sqft
    2022-06-01 0 days 2,012 sqft
    2022-07-01 0 days 2,151 sqft
    2022-08-01 0 days 2,151 sqft
    2022-09-01 0 days 2,148 sqft
    2022-10-01 0 days 2,156 sqft
    2022-11-01 0 days 2,110 sqft
    2022-12-01 0 days 2,050 sqft
    2023-01-01 0 days 2,110 sqft
    2023-02-01 0 days 2,134 sqft
    2023-03-01 0 days 2,192 sqft
    2023-04-01 0 days 2,156 sqft
    2023-05-01 0 days 1,888 sqft
    2023-06-01 0 days 1,797 sqft
    2023-07-01 0 days 1,932 sqft
    2023-08-01 0 days 2,065 sqft
    2023-09-01 0 days 2,001 sqft
    2023-10-01 0 days 1,964 sqft
    2023-11-01 0 days 1,811 sqft
    2023-12-01 0 days 1,769 sqft
    2024-01-01 0 days 1,774 sqft
    2024-02-01 0 days 1,778 sqft
    2024-03-01 0 days 1,769 sqft
    2024-04-01 0 days 1,781 sqft
    2024-05-01 0 days 1,814 sqft
    2024-06-01 0 days 1,805 sqft
    2024-07-01 0 days 1,709 sqft
    2024-08-01 0 days 1,684 sqft
    2024-09-01 0 days 1,656 sqft
    2024-10-01 0 days 1,667 sqft
    2024-11-01 0 days 1,655 sqft
    2024-12-01 0 days 1,700 sqft
    2025-01-01 0 days 1,710 sqft
    2025-02-01 0 days 1,710 sqft
    2025-03-01 0 days 1,768 sqft
    Starkville's median listing age (time on market) for 2025-03-01 was 0 days.

    Starkville's median square footage for active listings during the 2025-03-01 period was 1,768 sqft. One year prior, the average listing was 1,769 sqft.

    Starkville, MS Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 520 $128,930,000 $247,942
    Refi 138 $21,630,000 $156,739
    Other 78 $9,420,000 $120,769
    Cash Out Refi 60 $18,830,000 $313,833
    Home Improvement 53 $5,025,000 $94,811

    Starkville's most frequently cited loan purpose was Home Purchase, with 520 originations. The 2nd most popular reason was Refi, with 138 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 293 $75,835,000 $258,823
    Over 8% 245 $30,255,000 $123,490
    7-8% 141 $30,855,000 $218,830
    5-6% 97 $35,415,000 $365,103
    4-5% 29 $4,675,000 $161,207
    <2.5% 8 $350,000 $43,750
    3-4% 1 $125,000 $125,000

    During 2024, Starkville's most frequently originated rate bucket was 6-7%, with 293 originations.

    Loan Sizing (Starkville, MS MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 299 $83,415,000 $278,980
    $100k-200k 244 $35,880,000 $147,049
    $100,000 or less 219 $11,945,000 $54,543
    $400k-600k 67 $32,055,000 $478,433
    $600k-1000k 19 $13,305,000 $700,263
    $Over $1MM 1 $7,235,000 $7,235,000

    Starkville's loan sizing saw the bucket of loans from $200k-400k with 299 originations, totaling $83,415,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 349 $87,935,000 $251,963
    60-80% 179 $54,305,000 $303,380
    Under 20% 104 $4,610,000 $44,327
    20-40% 88 $10,540,000 $119,773
    40-60% 74 $14,890,000 $201,216
    Over 100% 8 $2,570,000 $321,250

    Starkville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 349 originations, totaling $87,935,000 in origination value.