Tupelo Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Tupelo averaged
6.76%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
6.57% and
one month ago for the week of 2025-02-27, the
average rate was 6.78%.
Tupelo's average rate one year ago was 7.11%.
For refis of the same type during the week of 2025-04-03, the average rate
was 7.15%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| Tupelo 30 Year Fixed Rate | 2025-04-03 | 6.76% |
| Tupelo 30 Year Fixed Rate Refi | 2025-04-03 | 7.15% |
| Tupelo 15 Year Fixed Rate | 2025-04-03 | 5.62% |
| Tupelo 15 Year Fixed Rate Refi | 2025-04-03 | 5.82% |
| Tupelo 30 Year FHA | 2025-04-03 | 6.15% |
| Tupelo 30 Year FHA Refi | 2025-04-03 | 6.46% |
| Tupelo 30 Year USDA | 2025-04-03 | 6.07% |
| Tupelo 30 Year USDA Refi | 2025-04-03 | 6.42% |
| Tupelo 30 Year VA | 2025-04-03 | 6.21% |
| Tupelo 30 Year VA Refi | 2025-04-03 | 6.16% |
Tupelo 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 Tupelo, 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.).
Tupelo Average Closing Costs & Other Stats
Tupelo, MS's 73 lenders originated 2,773
loans during 2024. The total origination value was $472,545,000, with an average loan value of
$170,409.
Tupelo's average closing costs are $4,907.
The top Tupelo lender as defined by loan originations is Renasant Bank, with
103 loans originated. Their average total fees are
$4,412, which is $60
higher than the next largest lender,
BancorpSouth.
The lowest fee Tupelo lenders (with over 10 loans originated) are
BankPlus ($3,121), Community Bank of Mississippi ($3,812), Regions Bank ($4,009), BancorpSouth ($4,353) and FIRST COMMUNITY MORTGAGE, INC. ($4,355).
The lowest rate Tupelo lenders (with over 10 loans originated) are
FIRST COMMUNITY MORTGAGE, INC. (6.58%), BankPlus (6.58%), Magnolia Bank (6.60%), Regions Bank (6.65%) and Flagstar Bank, FSB (6.79%).
Tupelo, 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 |
|---|---|---|---|---|
| Renasant Bank | $55,105,000 | $72,150,000 | 30.9% | 15.3% |
| BancorpSouth | $59,510,000 | $57,315,000 | -3.7% | 12.1% |
| BankPlus | $23,965,000 | $30,425,000 | 27.0% | 6.4% |
| Flagstar Bank, FSB | $32,225,000 | $30,225,000 | -6.2% | 6.4% |
| Guaranty Bank and Trust Company | $605,000 | $24,570,000 | 3,961.2% | 5.2% |
| QUICKEN LOANS, LLC | $20,730,000 | $21,845,000 | 5.4% | 4.6% |
| Community Bank of Mississippi | $21,085,000 | $17,735,000 | -15.9% | 3.8% |
| Mortgage Research Center, LLC | $13,630,000 | $14,550,000 | 6.7% | 3.1% |
| Trustmark National Bank | $13,975,000 | $12,350,000 | -11.6% | 2.6% |
| BankFirst Financial Services | $9,155,000 | $11,250,000 | 22.9% | 2.4% |
| Regions Bank | $8,655,000 | $11,115,000 | 28.4% | 2.4% |
| STOCKTON MORTGAGE CORPORATION | $12,970,000 | $10,125,000 | -21.9% | 2.1% |
| CB&S Bank, Inc. | $4,000,000 | $10,025,000 | 150.6% | 2.1% |
| 21ST MORTGAGE CORPORATION | $7,630,000 | $9,030,000 | 18.3% | 1.9% |
| GMFS LLC | $5,625,000 | $8,385,000 | 49.1% | 1.8% |
| GENEVA FINANCIAL, LLC | $3,430,000 | $7,485,000 | 118.2% | 1.6% |
| PENNYMAC LOAN SERVICES, LLC | $1,905,000 | $5,720,000 | 200.3% | 1.2% |
| Magnolia Bank | $2,055,000 | $5,605,000 | 172.7% | 1.2% |
| CROSSCOUNTRY MORTGAGE, LLC | $10,930,000 | $5,530,000 | -49.4% | 1.2% |
| UNITED WHOLESALE MORTGAGE, LLC | $2,890,000 | $4,990,000 | 72.7% | 1.1% |
| Bank of England | $4,510,000 | $4,740,000 | 5.1% | 1.0% |
| FREEDOM MORTGAGE CORPORATION | $2,360,000 | $4,725,000 | 100.2% | 1.0% |
| TRIAD FINANCIAL SERVICES, INC. | $2,155,000 | $4,515,000 | 109.5% | 1.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $2,550,000 | $3,765,000 | 47.6% | 0.8% |
| The Citizens Bank of Philadelphia, Mississippi | $3,090,000 | n/a | 0.7% | |
| CARDINAL FINANCIAL | $1,950,000 | $2,775,000 | 42.3% | 0.6% |
| LOANDEPOT.COM, LLC | $1,265,000 | $2,690,000 | 112.6% | 0.6% |
| NEW DAY FINANCIAL, LLC | $785,000 | $2,525,000 | 221.7% | 0.5% |
| COMMUNITY MORTGAGE CORPORATION | $355,000 | $2,090,000 | 488.7% | 0.4% |
| BROKER SOLUTIONS, INC. | $1,645,000 | $2,015,000 | 22.5% | 0.4% |
| Equity Prime Mortgage LLC | $155,000 | $2,015,000 | 1,200.0% | 0.4% |
| Truist | $330,000 | $1,975,000 | 498.5% | 0.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | $970,000 | $1,940,000 | 100.0% | 0.4% |
| Paramount Residential Mortgage Group, Inc. | $235,000 | $1,860,000 | 691.5% | 0.4% |
| GUILD MORTGAGE COMPANY | $540,000 | $1,855,000 | 243.5% | 0.4% |
| Nations Lending Corporation | $1,265,000 | $1,810,000 | 43.1% | 0.4% |
| USAA Federal Savings Bank | $3,310,000 | $1,790,000 | -45.9% | 0.4% |
| UNION HOME MORTGAGE CORP. | $230,000 | $1,650,000 | 617.4% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $2,465,000 | $1,595,000 | -35.3% | 0.3% |
| PLAZA HOME MORTGAGE, INC. | $175,000 | $1,400,000 | 700.0% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,685,000 | $1,335,000 | -20.8% | 0.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $850,000 | $1,310,000 | 54.1% | 0.3% |
| Paragon Bank | $860,000 | $1,305,000 | 51.7% | 0.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,280,000 | n/a | 0.3% | |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $605,000 | $1,220,000 | 101.7% | 0.3% |
| SIRVA MORTGAGE, INC. | $205,000 | $1,195,000 | 482.9% | 0.3% |
| CSL Financial, LLC | $565,000 | $1,180,000 | 108.8% | 0.2% |
| MORTGAGE INVESTORS GROUP, INC. | $1,205,000 | $1,170,000 | -2.9% | 0.2% |
| Carrington Mortgage Services, LLC | $345,000 | $1,145,000 | 231.9% | 0.2% |
| Wells Fargo Bank | $1,695,000 | $1,065,000 | -37.2% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $1,870,000 | $1,015,000 | -45.7% | 0.2% |
| PLANET HOME LENDING, LLC | $155,000 | $955,000 | 516.1% | 0.2% |
| JPMorgan Chase Bank | $350,000 | $910,000 | 160.0% | 0.2% |
| Stifel Bank and Trust | $1,105,000 | $905,000 | -18.1% | 0.2% |
| First Federal Bank | $880,000 | n/a | 0.2% | |
| FBC MORTGAGE, LLC | $485,000 | $875,000 | 80.4% | 0.2% |
| Coastal Community Bank | $170,000 | $855,000 | 402.9% | 0.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $1,115,000 | $825,000 | -26.0% | 0.2% |
| GUARANTEED RATE, INC. | $1,185,000 | $815,000 | -31.2% | 0.2% |
| SOUTHWEST STAGE FUNDING, LLC | $805,000 | $810,000 | 0.6% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $320,000 | $805,000 | 151.6% | 0.2% |
| FirstBank | $1,260,000 | $795,000 | -36.9% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $8,035,000 | $780,000 | -90.3% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $900,000 | $765,000 | -15.0% | 0.2% |
| FIRST SOUTH FINANCIAL | $745,000 | n/a | 0.2% | |
| Northpointe Bank | $265,000 | $745,000 | 181.1% | 0.2% |
| Mid-Continent Funding, Inc. | $205,000 | $720,000 | 251.2% | 0.2% |
| UNIFY FINANCIAL Credit Union | $485,000 | $700,000 | 44.3% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $240,000 | $660,000 | 175.0% | 0.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $5,490,000 | $650,000 | -88.2% | 0.1% |
| CMG MORTGAGE, INC. | $440,000 | $635,000 | 44.3% | 0.1% |
| NBKC BANK | $605,000 | n/a | 0.1% | |
| The Bank of Holly Springs | $810,000 | $585,000 | -27.8% | 0.1% |
| Pinnacle Bank | $285,000 | $580,000 | 103.5% | 0.1% |
| Evolve Bank & Trust | $65,000 | $560,000 | 761.5% | 0.1% |
| CIS Financial Services, Inc. | $3,755,000 | $545,000 | -85.5% | 0.1% |
| Figure Lending LLC | $460,000 | $485,000 | 5.4% | 0.1% |
| Discover Bank | $925,000 | $455,000 | -50.8% | 0.1% |
| The Federal Savings Bank | $445,000 | n/a | 0.1% | |
| LAKEVIEW LOAN SERVICING, LLC | $105,000 | $400,000 | 281.0% | 0.1% |
| SWBC MORTGAGE CORPORATION | $395,000 | n/a | 0.1% | |
| Lakeview Community Capital, LLC | $105,000 | $385,000 | 266.7% | 0.1% |
| AmeriHome Mortgage Company, LLC | $300,000 | $380,000 | 26.7% | 0.1% |
| Bank of America | $175,000 | $370,000 | 111.4% | 0.1% |
| CANOPY MORTGAGE, LLC | $370,000 | $370,000 | 0.0% | 0.1% |
| LAND HOME FINANCIAL SERVICES, INC. | $370,000 | n/a | 0.1% | |
| FineMark National Bank & Trust | $365,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $355,000 | n/a | 0.1% | |
| Prosperity Home Mortgage, LLC | $355,000 | n/a | 0.1% | |
| Simmons Bank | $355,000 | n/a | 0.1% | |
| TOWNE MORTGAGE COMPANY | $350,000 | n/a | 0.1% | |
| Citizens Bank | $595,000 | $340,000 | -42.9% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $340,000 | n/a | 0.1% | |
| BNY Mellon | $335,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $330,000 | n/a | 0.1% | |
| The Citizens National Bank of Meridian | $155,000 | $330,000 | 112.9% | 0.1% |
| Farmers Bank & Trust | $325,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $565,000 | $320,000 | -43.4% | 0.1% |
| OCMBC, INC. | $310,000 | n/a | 0.1% | |
| First Horizon Bank | $175,000 | $305,000 | 74.3% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $380,000 | $300,000 | -21.1% | 0.1% |
| First Security Bank | $165,000 | $295,000 | 78.8% | 0.1% |
| LENDINGONE, LLC | $295,000 | n/a | 0.1% | |
| NEWREZ LLC | $360,000 | $290,000 | -19.4% | 0.1% |
| U.S. Bank | $255,000 | $290,000 | 13.7% | 0.1% |
| DATA MORTGAGE, INC. | $285,000 | n/a | 0.1% | |
| EvaBank | $280,000 | n/a | 0.1% | |
| The Central Trust Bank | $265,000 | n/a | 0.1% | |
| EMM LOANS LLC | $255,000 | n/a | 0.1% | |
| Financial Federal Bank | $255,000 | n/a | 0.1% | |
| ServisFirst Bank | $255,000 | n/a | 0.1% | |
| Arvest Bank | $245,000 | n/a | 0.1% | |
| First Western Trust Bank | $245,000 | n/a | 0.1% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $245,000 | n/a | 0.1% | |
| CITIZENS EQUITY FIRST | $105,000 | $235,000 | 123.8% | 0.0% |
| Ixonia Bank | $785,000 | $235,000 | -70.1% | 0.0% |
| Ameris Bank | $225,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $195,000 | $220,000 | 12.8% | 0.0% |
| Assurance Financial Group, L.L.C. | $215,000 | n/a | 0.0% | |
| ENCORE BANK | $215,000 | n/a | 0.0% | |
| NEXERA HOLDING LLC | $215,000 | n/a | 0.0% | |
| American Mortgage & Equity Consultants, Inc. | $205,000 | n/a | 0.0% | |
| AMWEST FUNDING CORP. | $205,000 | n/a | 0.0% | |
| Leaders Credit Union | $205,000 | n/a | 0.0% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $355,000 | $195,000 | -45.1% | 0.0% |
| Bank OZK | $195,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $185,000 | n/a | 0.0% | |
| The Bank of Fayette County | $85,000 | $185,000 | 117.6% | 0.0% |
| COMMUNITYAMERICA | $175,000 | n/a | 0.0% | |
| SouthPoint Bank | $175,000 | n/a | 0.0% | |
| Blue Ridge Bank | $165,000 | n/a | 0.0% | |
| GUIDANCE RESIDENTIAL, LLC | $165,000 | n/a | 0.0% | |
| Meridian Bank Corporation | $145,000 | n/a | 0.0% | |
| AXIA FINANCIAL, LLC | $135,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $460,000 | $135,000 | -70.7% | 0.0% |
| South State Bank | $320,000 | $130,000 | -59.4% | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | $205,000 | $125,000 | -39.0% | 0.0% |
| Connexus Credit Union | $95,000 | n/a | 0.0% | |
| FIRST FLORIDA Credit Union | $95,000 | n/a | 0.0% | |
| COUNTRYPLACE MORTGAGE, LTD. | $85,000 | n/a | 0.0% | |
| Planters Bank & Trust Company | $85,000 | n/a | 0.0% | |
| RELIANCE FIRST CAPITAL, LLC | $390,000 | $85,000 | -78.2% | 0.0% |
| PeoplesTrust Bank | $65,000 | n/a | 0.0% | |
| AMERICAN INTERNET MORTGAGE, INC. | $55,000 | n/a | 0.0% | |
| Citibank | $55,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $170,000 | $55,000 | -67.6% | 0.0% |
| FORT FINANCIAL Federal Credit Union | $165,000 | $45,000 | -72.7% | 0.0% |
| PHH Mortgage Corporation | $45,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $35,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $325,000 | $35,000 | -89.2% | 0.0% |
Tupelo's top lender by overall market share is Renasant Bank, with 15.3% market share. In second place, with 12.1%, is BancorpSouth, having originated $57,315,000 in loans. In third place, with 6.4%, is BankPlus, having originated $30,425,000 in loans. In fourth place, with 6.4%, is Flagstar Bank, FSB, having originated $30,225,000 in loans. In fifth place, with 5.2%, is Guaranty Bank and Trust Company, having originated $24,570,000 in loans.
Tupelo Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Tupelo (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 | $174,350 (14.0%) | $208,792 (4.8%) | 0.61 | 489 |
| 2018-02-01 | $175,000 (16.7%) | $212,990 (6.0%) | 0.63 | 490 |
| 2018-03-01 | $174,900 (12.9%) | $209,931 (2.4%) | 0.61 | 506 |
| 2018-04-01 | $177,000 (7.3%) | $211,675 (0.2%) | 0.60 | 545 |
| 2018-05-01 | $178,788 (8.4%) | $213,331 (2.8%) | 0.60 | 543 |
| 2018-06-01 | $174,950 (6.0%) | $213,055 (0.9%) | 0.58 | 551 |
| 2018-07-01 | $176,625 (7.1%) | $217,140 (1.7%) | 0.60 | 558 |
| 2018-08-01 | $178,050 (11.4%) | $219,110 (5.2%) | 0.60 | 551 |
| 2018-09-01 | $176,000 (10.1%) | $227,407 (13.0%) | 0.60 | 531 |
| 2018-10-01 | $174,950 (8.7%) | $227,227 (13.2%) | 0.59 | 493 |
| 2018-11-01 | $174,950 (3.6%) | $227,080 (10.0%) | 0.59 | 475 |
| 2018-12-01 | $174,950 (3.0%) | $226,504 (9.8%) | 0.60 | 443 |
| 2019-01-01 | $173,325 (-0.6%) | $227,355 (8.9%) | 0.60 | 435 |
| 2019-02-01 | $175,975 (0.6%) | $230,439 (8.2%) | 0.60 | 436 |
| 2019-03-01 | $188,357 (7.7%) | $240,445 (14.5%) | 0.62 | 441 |
| 2019-04-01 | $199,900 (12.9%) | $248,179 (17.3%) | 0.64 | 446 |
| 2019-05-01 | $199,800 (11.8%) | $243,223 (14.0%) | 0.64 | 461 |
| 2019-06-01 | $197,500 (12.9%) | $248,708 (16.7%) | 0.62 | 455 |
| 2019-07-01 | $197,225 (11.7%) | $247,364 (13.9%) | 0.62 | 467 |
| 2019-08-01 | $196,727 (10.5%) | $243,901 (11.3%) | 0.62 | 458 |
| 2019-09-01 | $195,193 (10.9%) | $238,720 (5.0%) | 0.62 | 450 |
| 2019-10-01 | $194,620 (11.2%) | $236,611 (4.1%) | 0.61 | 438 |
| 2019-11-01 | $189,900 (8.6%) | $233,022 (2.6%) | 0.62 | 418 |
| 2019-12-01 | $188,925 (8.0%) | $229,478 (1.3%) | 0.62 | 399 |
| 2020-01-01 | $185,000 (6.7%) | $228,873 (0.7%) | 0.61 | 386 |
| 2020-02-01 | $184,000 (4.6%) | $227,193 (-1.4%) | 0.60 | 400 |
| 2020-03-01 | $185,000 (-1.8%) | $235,361 (-2.1%) | 0.59 | 389 |
| 2020-04-01 | $190,025 (-4.9%) | $242,979 (-2.1%) | 0.60 | 377 |
| 2020-05-01 | $189,900 (-5.0%) | $246,891 (1.5%) | 0.58 | 348 |
| 2020-06-01 | $199,575 (1.1%) | $261,494 (5.1%) | 0.59 | 315 |
| 2020-07-01 | $217,225 (10.1%) | $271,331 (9.7%) | 0.62 | 298 |
| 2020-08-01 | $210,500 (7.0%) | $265,576 (8.9%) | 0.61 | 281 |
| 2020-09-01 | $197,950 (1.4%) | $264,759 (10.9%) | 0.60 | 266 |
| 2020-10-01 | $209,900 (7.9%) | $269,090 (13.7%) | 0.62 | 251 |
| 2020-11-01 | $218,000 (14.8%) | $276,589 (18.7%) | 0.64 | 243 |
| 2020-12-01 | $219,000 (15.9%) | $282,043 (22.9%) | 0.65 | 239 |
| 2021-01-01 | $212,450 (14.8%) | $277,647 (21.3%) | 0.63 | 216 |
| 2021-02-01 | $205,975 (11.9%) | $266,831 (17.5%) | 0.61 | 199 |
| 2021-03-01 | $227,250 (22.8%) | $270,625 (15.0%) | 0.64 | 188 |
| 2021-04-01 | $224,950 (18.4%) | $275,251 (13.3%) | 0.60 | 161 |
| 2021-05-01 | $199,900 (5.3%) | $269,264 (9.1%) | 0.53 | 169 |
| 2021-06-01 | $223,450 (12.0%) | $286,152 (9.4%) | 0.59 | 188 |
| 2021-07-01 | $219,900 (1.2%) | $281,229 (3.7%) | 0.58 | 201 |
| 2021-08-01 | $219,900 (4.5%) | $294,911 (11.1%) | 0.59 | 207 |
| 2021-09-01 | $219,900 (11.1%) | $297,826 (12.5%) | 0.61 | 207 |
| 2021-10-01 | $232,000 (10.5%) | $304,798 (13.3%) | 0.62 | 231 |
| 2021-11-01 | $243,363 (11.6%) | $312,096 (12.8%) | 0.64 | 216 |
| 2021-12-01 | $244,663 (11.7%) | $303,344 (7.6%) | 0.65 | 206 |
| 2022-01-01 | $240,000 (13.0%) | $288,893 (4.1%) | 0.64 | 180 |
| 2022-02-01 | $234,450 (13.8%) | $287,557 (7.8%) | 0.62 | 154 |
| 2022-03-01 | $241,200 (6.1%) | $288,379 (6.6%) | 0.61 | 153 |
| 2022-04-01 | $240,000 (6.7%) | $285,622 (3.8%) | 0.60 | 153 |
| 2022-05-01 | $237,425 (18.8%) | $287,083 (6.6%) | 0.55 | 182 |
| 2022-06-01 | $243,450 (9.0%) | $282,505 (-1.3%) | 0.56 | 211 |
| 2022-07-01 | $249,900 (13.6%) | $289,665 (3.0%) | 0.56 | 239 |
| 2022-08-01 | $259,900 (18.2%) | $300,045 (1.7%) | 0.58 | 270 |
| 2022-09-01 | $250,975 (14.1%) | $294,839 (-1.0%) | 0.58 | 290 |
| 2022-10-01 | $256,000 (10.3%) | $295,977 (-2.9%) | 0.59 | 309 |
| 2022-11-01 | $250,000 (2.7%) | $291,661 (-6.6%) | 0.60 | 308 |
| 2022-12-01 | $249,450 (2.0%) | $291,434 (-3.9%) | 0.62 | 284 |
| 2023-01-01 | $257,000 (7.1%) | $296,437 (2.6%) | 0.64 | 246 |
| 2023-02-01 | $260,450 (11.1%) | $305,758 (6.3%) | 0.63 | 223 |
| 2023-03-01 | $263,750 (9.4%) | $306,552 (6.3%) | 0.62 | 220 |
| 2023-04-01 | $262,250 (9.3%) | $307,721 (7.7%) | 0.60 | 230 |
| 2023-05-01 | $274,950 (15.8%) | $318,687 (11.0%) | 0.62 | 234 |
| 2023-06-01 | $272,625 (12.0%) | $326,031 (15.4%) | 0.61 | 246 |
| 2023-07-01 | $267,450 (7.0%) | $317,324 (9.6%) | 0.62 | 242 |
| 2023-08-01 | $259,950 (0.0%) | $319,126 (6.4%) | 0.60 | 262 |
| 2023-09-01 | $255,950 (2.0%) | $303,881 (3.1%) | 0.59 | 284 |
| 2023-10-01 | $249,600 (-2.5%) | $298,598 (0.9%) | 0.59 | 302 |
| 2023-11-01 | $252,475 (1.0%) | $305,055 (4.6%) | 0.60 | 322 |
| 2023-12-01 | $250,000 (0.2%) | $308,204 (5.8%) | 0.61 | 320 |
| 2024-01-01 | $257,250 (0.1%) | $311,934 (5.2%) | 0.63 | 297 |
| 2024-02-01 | $262,500 (0.8%) | $313,222 (2.4%) | 0.63 | 285 |
| 2024-03-01 | $265,000 (0.5%) | $316,781 (3.3%) | 0.62 | 287 |
| 2024-04-01 | $279,950 (6.8%) | $327,184 (6.3%) | 0.65 | 268 |
| 2024-05-01 | $275,850 (0.3%) | $322,904 (1.3%) | 0.64 | 295 |
| 2024-06-01 | $274,900 (0.8%) | $312,065 (-4.3%) | 0.62 | 285 |
| 2024-07-01 | $265,200 (-0.8%) | $311,995 (-1.7%) | 0.61 | 285 |
| 2024-08-01 | $255,950 (-1.5%) | $298,124 (-6.6%) | 0.60 | 311 |
| 2024-09-01 | $264,000 (3.2%) | $301,508 (-0.8%) | 0.62 | 335 |
| 2024-10-01 | $265,375 (6.3%) | $316,678 (6.1%) | 0.63 | 343 |
| 2024-11-01 | $263,750 (4.5%) | $319,391 (4.7%) | 0.64 | 361 |
| 2024-12-01 | $262,500 (5.0%) | $311,287 (1.0%) | 0.67 | 353 |
| 2025-01-01 | $267,000 (3.8%) | $314,090 (0.7%) | 0.00 | 333 |
| 2025-02-01 | $264,950 (0.9%) | $316,765 (1.1%) | 0.00 | 318 |
| 2025-03-01 | $255,000 (-3.8%) | $311,362 (-1.7%) | 0.00 | 312 |
Tupelo's median listing price comes in at 0% of the national average.
Tupelo's average listing price for 2025-03-01 was $311,362, a difference of $-5,419 (-1.7%) versus the prior year and $-5,403 versus the prior month.
For the 2025-03-01 period, Tupelo had 312 MLS listings, a difference of -6 listings (-2%) versus the prior month and 25 listings (9%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Tupelo (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 92 days | 2,047 sqft |
| 2018-02-01 | 86 days | 2,074 sqft |
| 2018-03-01 | 68 days | 2,044 sqft |
| 2018-04-01 | 68 days | 2,099 sqft |
| 2018-05-01 | 72 days | 2,104 sqft |
| 2018-06-01 | 74 days | 2,047 sqft |
| 2018-07-01 | 80 days | 2,100 sqft |
| 2018-08-01 | 81 days | 2,104 sqft |
| 2018-09-01 | 81 days | 2,100 sqft |
| 2018-10-01 | 88 days | 2,093 sqft |
| 2018-11-01 | 87 days | 2,104 sqft |
| 2018-12-01 | 95 days | 2,094 sqft |
| 2019-01-01 | 100 days | 2,144 sqft |
| 2019-02-01 | 86 days | 2,147 sqft |
| 2019-03-01 | 76 days | 2,176 sqft |
| 2019-04-01 | 72 days | 2,217 sqft |
| 2019-05-01 | 66 days | 2,204 sqft |
| 2019-06-01 | 68 days | 2,204 sqft |
| 2019-07-01 | 77 days | 2,203 sqft |
| 2019-08-01 | 76 days | 2,195 sqft |
| 2019-09-01 | 71 days | 2,181 sqft |
| 2019-10-01 | 71 days | 2,172 sqft |
| 2019-11-01 | 81 days | 2,163 sqft |
| 2019-12-01 | 90 days | 2,122 sqft |
| 2020-01-01 | 100 days | 2,080 sqft |
| 2020-02-01 | 93 days | 2,050 sqft |
| 2020-03-01 | 85 days | 2,067 sqft |
| 2020-04-01 | 85 days | 2,091 sqft |
| 2020-05-01 | 92 days | 2,157 sqft |
| 2020-06-01 | 90 days | 2,204 sqft |
| 2020-07-01 | 86 days | 2,255 sqft |
| 2020-08-01 | 68 days | 2,179 sqft |
| 2020-09-01 | 60 days | 2,173 sqft |
| 2020-10-01 | 66 days | 2,222 sqft |
| 2020-11-01 | 65 days | 2,296 sqft |
| 2020-12-01 | 72 days | 2,292 sqft |
| 2021-01-01 | 83 days | 2,270 sqft |
| 2021-02-01 | 75 days | 2,148 sqft |
| 2021-03-01 | 52 days | 2,149 sqft |
| 2021-04-01 | 46 days | 2,145 sqft |
| 2021-05-01 | 43 days | 2,094 sqft |
| 2021-06-01 | 37 days | 2,140 sqft |
| 2021-07-01 | 45 days | 2,135 sqft |
| 2021-08-01 | 46 days | 2,145 sqft |
| 2021-09-01 | 55 days | 2,136 sqft |
| 2021-10-01 | 61 days | 2,145 sqft |
| 2021-11-01 | 59 days | 2,143 sqft |
| 2021-12-01 | 71 days | 2,145 sqft |
| 2022-01-01 | 80 days | 2,145 sqft |
| 2022-02-01 | 70 days | 2,145 sqft |
| 2022-03-01 | 46 days | 2,117 sqft |
| 2022-04-01 | 39 days | 2,122 sqft |
| 2022-05-01 | 41 days | 2,056 sqft |
| 2022-06-01 | 40 days | 2,055 sqft |
| 2022-07-01 | 41 days | 2,100 sqft |
| 2022-08-01 | 49 days | 2,115 sqft |
| 2022-09-01 | 55 days | 2,102 sqft |
| 2022-10-01 | 66 days | 2,145 sqft |
| 2022-11-01 | 77 days | 2,159 sqft |
| 2022-12-01 | 87 days | 2,111 sqft |
| 2023-01-01 | 85 days | 2,146 sqft |
| 2023-02-01 | 78 days | 2,090 sqft |
| 2023-03-01 | 67 days | 2,156 sqft |
| 2023-04-01 | 60 days | 2,142 sqft |
| 2023-05-01 | 52 days | 2,203 sqft |
| 2023-06-01 | 47 days | 2,173 sqft |
| 2023-07-01 | 53 days | 2,052 sqft |
| 2023-08-01 | 58 days | 2,083 sqft |
| 2023-09-01 | 60 days | 2,045 sqft |
| 2023-10-01 | 59 days | 2,001 sqft |
| 2023-11-01 | 53 days | 1,977 sqft |
| 2023-12-01 | 65 days | 1,980 sqft |
| 2024-01-01 | 77 days | 2,003 sqft |
| 2024-02-01 | 89 days | 2,034 sqft |
| 2024-03-01 | 68 days | 2,062 sqft |
| 2024-04-01 | 61 days | 2,210 sqft |
| 2024-05-01 | 53 days | 2,152 sqft |
| 2024-06-01 | 57 days | 2,096 sqft |
| 2024-07-01 | 60 days | 2,060 sqft |
| 2024-08-01 | 59 days | 1,982 sqft |
| 2024-09-01 | 60 days | 1,989 sqft |
| 2024-10-01 | 64 days | 1,992 sqft |
| 2024-11-01 | 67 days | 2,000 sqft |
| 2024-12-01 | 73 days | 1,984 sqft |
| 2025-01-01 | 0 days | 1,988 sqft |
| 2025-02-01 | 0 days | 2,048 sqft |
| 2025-03-01 | 0 days | 1,970 sqft |
Tupelo's median square footage for active listings during the 2025-03-01 period was 1,970 sqft. One year prior, the average listing was 2,062 sqft.
Tupelo, MS Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,492 | $306,550,000 | $205,462 |
| Refi | 631 | $97,415,000 | $154,382 |
| Other | 307 | $24,805,000 | $80,798 |
| Cash Out Refi | 226 | $35,320,000 | $156,283 |
| Home Improvement | 117 | $8,455,000 | $72,265 |
Tupelo's most frequently cited loan purpose was Home Purchase, with 1,492 originations. The 2nd most popular reason was Refi, with 631 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 943 | $197,475,000 | $209,411 |
| Over 8% | 771 | $77,795,000 | $100,901 |
| 7-8% | 522 | $88,800,000 | $170,115 |
| 5-6% | 291 | $61,585,000 | $211,632 |
| 4-5% | 51 | $7,225,000 | $141,667 |
| <2.5% | 50 | $1,720,000 | $34,400 |
| 3-4% | 1 | $255,000 | $255,000 |
| 2.5-3% | 1 | $395,000 | $395,000 |
During 2024, Tupelo's most frequently originated rate bucket was 6-7%, with 943 originations.
Loan Sizing (Tupelo, MS MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 981 | $143,715,000 | $146,498 |
| $100,000 or less | 942 | $50,070,000 | $53,153 |
| $200k-400k | 725 | $192,775,000 | $265,897 |
| $400k-600k | 87 | $40,075,000 | $460,632 |
| $600k-1000k | 29 | $21,195,000 | $730,862 |
| $Over $1MM | 9 | $24,715,000 | $2,746,111 |
Tupelo's loan sizing saw the bucket of loans from $100k-200k with 981 originations, totaling $143,715,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,180 | $245,530,000 | $208,076 |
| 60-80% | 435 | $90,575,000 | $208,218 |
| 20-40% | 344 | $29,450,000 | $85,610 |
| Under 20% | 334 | $11,390,000 | $34,102 |
| 40-60% | 266 | $41,400,000 | $155,639 |
| Over 100% | 40 | $9,160,000 | $229,000 |
Tupelo's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,180 originations, totaling $245,530,000 in origination value.