countyscore
43.1
County Score
Property Tax 67.7Cost of Living 65.6Weather & Climate 60.9

County Report Card

About Pontotoc County, Mississippi

Pontotoc County Ranks Near the Middle

The county earns a composite score of 43.1, falling just short of the national 50.0 median. It performs better than many rural Southern peers but maintains room for growth.

Competitive Within Northern Mississippi

Pontotoc’s 43.1 score is slightly below the Mississippi state average of 48.4. However, its low effective tax rate of 0.660% makes it a notable option for fiscal conservatives.

Low Taxes and Reasonable Living Costs

Tax and cost scores of 67.7 and 65.6 lead the county's performance profile. Residents benefit from a modest effective tax rate and a median home value of $141,700.

Limited Social and Institutional Scores

Income and school scores of 20.2 and 22.1 represent the county's primary development challenges. These metrics suggest a need for higher wage growth and educational investment.

Ideal for Cost-Conscious Homeowners

Pontotoc County is a strong fit for families looking for low property taxes and manageable mortgage payments. It provides a quiet, affordable lifestyle in a growing region.

2040608010067.765.633.324.522.120.249.944.660.9Tax67.7Cost65.6Safety33.3Health24.5Schools22.1Income20.2Risk49.9Water44.6Weather60.943.1/100
This county
National avg
2 above average5 below average

Pontotoc County DNA

Foverall

How Pontotoc County compares to the national average across 9 dimensions

Pontotoc County is a tale of two counties — exceptional in Cost of Living (65.6/100) but notably weak in Schools (22.1/100). This polarized profile creates distinct trade-offs for residents.

Dimension Breakdown

Tax
67.7+15.700000000000003
Cost
65.6+17.599999999999994
Safety
33.3-21.700000000000003
Health
24.5-25.5
Schools
22.1-31.9
Income
20.2-30.8
Risk
49.9
Water
44.6-13.399999999999999
Weather
60.9
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Can You Afford to Live Here?

Median Home Price

$141,700

National median: $174,650

Median Rent

$848/mo

National median: $854/mo

Income Needed (home)

$141,700/yr

28% front-end rule

Income Needed (rent)

$33,920/yr

30% rent rule

Affordability Spectrum2.7x income
AffordableNational avgExpensive
Local median income: $52,741/yr
Compare Mortgage Rates

Economic & Education Snapshot

Primary Care

9.6

per 100K

Data from Federal Reserve (FRED), U.S. Department of Education College Scorecard, and CMS NPPES.

Explore this county

Property Taxtaxbycounty.comCost of Livingcostbycounty.comIncome & Jobsincomebycounty.comSafetycrimebycounty.comHealthhealthbycounty.comSchoolsschoolsbycounty.comDisaster Riskriskbycounty.comWater Qualitywaterbycounty.comWeather & Climateweatherbycounty.comSoil Qualitysoilbycounty.comLawn Carelawnbycounty.comFarmers Marketsmarketsbycounty.comView on Mapcountyscore.com/map
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43

Nearby counties

Union County
Mississippi
45.1
Lee County
Mississippi
33.6
Calhoun County
Mississippi
55.8
Lafayette County
Mississippi
43.6
Chickasaw County
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Prentiss County
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Yalobusha County
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Tippah County
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56.7

Deep Dives

Pontotoc County across the ByCounty Network

Detailed analysis from 11 data dimensions — each powered by a dedicated ByCounty site.

Property Tax in Pontotoc County

via TaxByCounty

Pontotoc County taxes rank among nation's lowest

At 0.660%, Pontotoc County's effective tax rate places it in the bottom 10% nationwide, roughly one-quarter the national median of 2.69%. The median annual property tax of $935 is less than 35% of the national median of $2,690.

Below-average taxes for Mississippi

Pontotoc County ranks below the state average with a 0.660% effective rate versus Mississippi's 0.743%. This makes Pontotoc one of the more tax-friendly counties in the state.

Competitive with surrounding counties

Pontotoc's 0.660% rate sits below most neighbors, comparable to Rankin County (0.620%) and Scott County (0.799%). Among the region, Pontotoc offers some of the more moderate property tax burdens.

Median tax bill: $935 per year

On Pontotoc County's median home value of $141,700, homeowners pay approximately $935 annually in property taxes. Those with mortgages may see slightly higher assessed amounts, averaging $1,133 per year.

Appeal your assessment if it seems wrong

Even in lower-tax counties, some properties are overvalued on the assessor's roll. Pontotoc County residents can request a formal reassessment review if they believe their property's assessed value doesn't match current market conditions.

Full property tax analysis on TaxByCounty

Cost of Living in Pontotoc County

via CostByCounty

Pontotoc's affordable housing sweet spot

Pontotoc County residents spend just 19.3% of income on rent, nearly matching the national standard and beating Mississippi's 19.6% average. With a median household income of $52,741—well above many peers in the state—Pontotoc offers genuinely accessible housing relative to earning power.

Mississippi's middle ground for renters

Pontotoc ranks near the state average for rental affordability with its 19.3% rent-to-income ratio, virtually matching Mississippi's 19.6% statewide benchmark. This stability, combined with $848 monthly rent, positions Pontotoc as a balanced option for Mississippi renters seeking both affordability and economic opportunity.

Competitive with similar-sized counties

Pontotoc's $848 rent sits between Simpson County ($819) and Pike County ($879), while its median household income of $52,741 exceeds both neighbors. This income advantage makes Pontotoc's housing costs feel more manageable than counties with comparable rents but lower earnings.

Balanced rental and ownership costs

Pontotoc renters pay $848 monthly while homeowners spend $629, a 35% premium for renting that's typical nationwide. At $52,741 median income, housing consumes just 19.3% of household earnings, leaving room for savings and discretionary spending.

A stable choice for Mississippi movers

Pontotoc County offers reliable affordability without sacrificing economic prospects—its median income significantly exceeds many rural Mississippi counties. For those relocating within the state, Pontotoc delivers solid housing costs and stronger earning potential than alternatives like Pike or Quitman.

Full cost of living analysis on CostByCounty

Income & Jobs in Pontotoc County

via IncomeByCounty

Pontotoc County outpaces state, still behind nation

Pontotoc County's median household income of $52,741 sits 30% below the national median of $74,755, but comfortably above Mississippi's state average of $48,514. This mid-range positioning reflects a more diversified local economy than many rural Mississippi counties.

Upper-middle tier earner within Mississippi

Pontotoc County ranks among Mississippi's stronger-performing counties, earning $4,227 more than the state median. This above-average standing suggests more stable employment and possibly stronger small-business activity than neighboring rural counties.

Outearns most adjacent counties handily

Pontotoc County's $52,741 income exceeds Pike County's $41,578 by 27% and Prentiss County's $51,466 by $1,275. This income edge positions Pontotoc as a relative economic anchor in north-central Mississippi.

Housing remains comfortably affordable here

Pontotoc County's rent-to-income ratio of 19.3% sits well within the affordability comfort zone, signaling stable housing security for most households. A median home value of $141,700 stays accessible to the median household, supporting long-term wealth accumulation.

Leverage stability to grow long-term wealth

Pontotoc County's relatively solid income of $52,741 creates opportunity for disciplined savers to invest 10–15% of earnings into retirement accounts and index funds. Local affordability means homeownership is within reach for many, unlocking the wealth-building power of mortgage equity.

Full income & jobs analysis on IncomeByCounty

Safety in Pontotoc County

via CrimeByCounty

Pontotoc County remains safer than national norms

Pontotoc County reports a total crime rate of 1560.8 per 100,000 people, staying well below the national mark of 2,385.5. The county carries a safety score of 97.5, reflecting a secure environment for its residents.

Ranking slightly below the Mississippi state average

The county's safety score of 97.5 falls slightly below the Mississippi state average of 98.4. While Pontotoc is generally safe, it experiences more reported activity than its average state counterparts.

Local comparisons show moderate crime levels

Pontotoc's crime rate of 1560.8 is higher than nearby Scott County's rate of 837.4. Despite this, the area maintains a significant safety advantage over many urban centers across the country.

Understanding violent and property crime split

Property crimes make up the majority of local incidents at 1282.0 per 100,000 residents. Violent crime remains a smaller fraction at 278.8, which is lower than the national average of 369.8.

Simple deterrents protect Pontotoc homes

Basic home security measures like deadbolts and motion-sensor lights provide a strong first line of defense. Community watch programs also help keep property crime rates trending downward.

Full safety analysis on CrimeByCounty

Schools in Pontotoc County

via SchoolsByCounty

A Growing Education Infrastructure in Pontotoc County

The county manages 14 public schools across two distinct districts to serve a total enrollment of 5,768 students. The system includes four elementary, five middle, and five high schools, offering a balanced ladder for local families.

Strong Graduation Rates Outpace State Averages

Pontotoc County achieves an 87.4% graduation rate, which sits comfortably above the state average of 87.1% and the national benchmark of 87.0%. While per-pupil spending of $5,666 is lower than the state average, the county remains competitive with a composite school score of 49.3.

Pontotoc County and City Districts Lead the Way

The Pontotoc County School District is the largest provider, educating 3,466 students across nine schools. The Pontotoc City Schools district supports another 2,302 students, and there are currently no charter schools operating within the county.

A Blend of Rural and Town Learning Environments

With nine schools in rural settings and five in town locales, students experience an average school size of 481. South Pontotoc Elementary is the largest campus with 789 students, while North Pontotoc High School serves a smaller high school cohort of 513.

Discover a Home Near Pontotoc Schools

Families seeking reliable academic results often look toward the stable districts in this region. Explore local real estate to find a home that puts your children within reach of these high-performing public schools.

Full schools analysis on SchoolsByCounty

Disaster Risk in Pontotoc County

via RiskByCounty

Pontotoc County sits near the national risk baseline

Pontotoc County's composite risk score of 50.10 aligns closely with the national average, indicating moderate but manageable exposure to natural disasters. This rating masks significant variation by hazard type—earthquake risk runs particularly high at 85.27 while flood risk remains relatively low. County residents should focus preparedness efforts on the specific threats most likely to impact their area.

Pontotoc County risk tracks just below state average

Pontotoc's 50.10 score falls just beneath Mississippi's state average of 50.94, placing it slightly below the middle of the state's risk distribution. This positioning means Pontotoc residents experience fewer natural disaster hazards than many other Mississippians, though several risks merit attention. The county's moderate profile suggests balanced but targeted preparedness is appropriate.

Pontotoc ranks among the safer counties in its region

Pontotoc County's 50.10 composite score compares favorably to Pike County's 70.42 to the south and Scott County's 55.88 to the southeast. Its earthquake risk of 85.27 is notably higher than tornado risk (77.23), contrasting with the profile of nearby counties where tornadoes pose greater threats. This unique hazard mix reflects Pontotoc's distinct geological position in northeast Mississippi.

Earthquakes and tornadoes require attention

Pontotoc County residents face an unusual combination of high earthquake risk (85.27) and moderate tornado risk (77.23), with hurricane exposure at 64.96. The earthquake risk is notably elevated compared to most U.S. counties, requiring careful attention to building safety and emergency planning. Both hazards demand preparedness protocols in homes and workplaces.

Earthquake safety and storm readiness matter in Pontotoc

Homeowners should secure heavy furniture and appliances to walls and understand how to safely shelter during earthquakes, given Pontotoc's 85.27 earthquake risk score. Tornado preparedness—including a safe room or basement shelter and a weather radio—remains equally essential with tornado risk at 77.23. Consider retrofitting older homes to improve structural resilience to both seismic and wind forces.

Full disaster risk analysis on RiskByCounty

Water Quality in Pontotoc County

via WaterByCounty

Drinking Water Grade Declines to D

Pontotoc County recorded 9 health violations, leading to a violation rate of 24.5 per 100K residents. While this grade is low, the county still maintains a better rate than the state average of 92.1.

Watershed Health Data Currently Unavailable

Federal §303(d) assessments have not yet evaluated the water bodies within this county. Comprehensive watershed health data remains a gap in the local environmental record for this cycle.

Active Monitoring Across Four County Sites

Four monitoring sites have captured 1,046 measurements recently, providing a baseline for local water quality. These records primarily track physical attributes, nutrients, and organic substances.

No Live Streamgage Data Available

There is currently no representative USGS streamgage providing live flow data for Pontotoc County. Local water management relies primarily on drinking water compliance records and static monitoring sites.

Monitoring Your Home's Water Quality

With a D grade in drinking water, residents should regularly review their annual consumer confidence reports. Since live stream data is missing, well-water testing is a prudent precaution for those not on municipal lines.

Full water quality analysis on WaterByCounty

Weather & Climate in Pontotoc County

via WeatherByCounty

A Temperate Mid-South Climate Profile

Pontotoc County averages 61.6°F annually, which is warmer than the national median but cooler than the Deep South. The climate transitions between the humid subtropics and cooler temperate zones.

Cooler Than the Mississippi Average

At 61.6°F, the county is notably cooler than the state average of 63.9°F. Its northern location protects it from the more extreme heat found in the southern half of the state.

More Moderate Heat Than Neighbors

Pontotoc records 52 days of extreme heat, significantly fewer than the 86 days seen in Quitman County. It receives 59.9 inches of rain, almost exactly matching the state average of 59.6 inches.

Measurable Snow and Refreshing Winters

Unlike southern Mississippi, Pontotoc sees 0.8 inches of annual snowfall and a chilly winter average of 43.7°F. Summers are still warm, with July temperatures averaging near 79.8°F.

Prepare for All Four Seasons

Residents need a versatile wardrobe to handle both the 52 days of heat and the freezing winter nights. Home heating systems are more critical here than in the southern counties due to the 43.7°F winter average.

Full weather & climate analysis on WeatherByCounty

Soil Quality in Pontotoc County

via SoilByCounty

Typical Mississippi Acidity Levels

Pontotoc County holds an average pH of 5.30, matching the state average exactly but remaining much more acidic than the 6.5 national median. The county earns a soil score of 42.4, which outperforms the state average of 35.7. This higher score indicates a baseline of quality that serves local agriculture well.

Silt-Heavy Soils with High Workability

Silt dominates the local landscape at 57.8%, while sand makes up 24.3% and clay accounts for 17.9%. This silty profile creates a smooth, flour-like texture that is easy to till and work by hand. The relatively low clay content prevents the soil from becoming overly sticky or difficult to manage after rain.

Strong Water Retention Potential

The county boasts an available water capacity of 0.194 in/in, surpassing the state average of 0.174 in/in. While organic matter sits at 1.76%, just below the state’s 1.81% average, the high water capacity provides a safety net during dry spells. This combination makes the soil efficient at holding onto nutrients and moisture for crop roots.

Managing Silt and Drainage

While specific drainage class data is unavailable, the 57.8% silt content suggests a soil that holds moisture longer than sandier neighbors. This can lead to slower drainage after heavy storms, which requires attention to bed preparation. Farmers should focus on maintaining soil structure to prevent the surface from crusting.

Diverse Options in Zone 8a

The mild winters of zone 8a paired with silty, water-retentive soil make this a prime location for traditional southern crops like corn and soybeans. The soil's ability to hold moisture also supports thriving vegetable patches filled with tomatoes and squash. Start your planting early to maximize the productivity of these silt-rich fields.

Full soil quality analysis on SoilByCounty

Lawn Care in Pontotoc County

via LawnByCounty

Navigating Pontotoc County's Zone 8a Landscape

Pontotoc County scores a 30.5 on the lawn difficulty scale, placing it right in line with the Mississippi state average of 30.9. While it is more challenging than the national average, the Zone 8a climate offers a predictable rhythm for lawn care. Homeowners here benefit from slightly fewer extreme heat days than their neighbors to the south.

Balanced Heat with Consistent Precipitation

The county sees 52 extreme heat days annually, which is notably lower than the state average of 73 days. Annual precipitation sits at 59.9 inches, nearly 10 inches above the ideal turf threshold, requiring good drainage management. With 5190 growing degree days, the mowing season is vigorous but manageable.

Acidic Foundations Need Lime and Care

A soil pH of 5.30 means Pontotoc lawns are naturally acidic and likely require lime applications to reach the 6.0-7.0 sweet spot. The soil contains 17.9% clay and 24.3% sand, providing a mix that holds some moisture but may compact over time. Regular aeration can help improve oxygen flow to the roots in this soil profile.

Frequent Drought Challenges Growing Conditions

Despite the high annual rainfall, Pontotoc County spent 24 weeks in drought over the past year. Currently, 61.6% of the county is classified as abnormally dry, making supplemental irrigation essential. Mulching grass clippings back into the lawn can help retain vital moisture during these dry stretches.

Bermuda and Zoysia for Durable Lawns

Bermudagrass and Zoysia are excellent choices for the Zone 8a climate and the county's specific heat profile. Aim to start your lawn after the last spring frost on March 28 to ensure the soil is warm enough for germination. The growing season typically lasts until the first frost arrives around November 8.

Full lawn care analysis on LawnByCounty

Frequently Asked Questions

What is Pontotoc County's county score?
Pontotoc County, Mississippi has a composite county score of 43.1 out of 100 on CountyScore. This score is calculated from a weighted average of available data dimensions including property tax, cost of living, income, safety, health, and schools.
How does Pontotoc County rank among counties in Mississippi?
Pontotoc County ranks #59 among all counties in Mississippi on CountyScore's composite ranking. Rankings are based on available data dimensions and updated as new data is added.
What are property taxes like in Pontotoc County, Mississippi?
The median annual property tax in Pontotoc County is $935, with an effective tax rate of 0.66%. This earns Pontotoc County a tax score of 67.7/100 on CountyScore (higher = lower taxes).
What is the median household income in Pontotoc County?
The median household income in Pontotoc County, Mississippi is $52,741 per year according to U.S. Census Bureau data. Pontotoc County earns an income score of 20.2/100 on CountyScore.
Is Pontotoc County, Mississippi a good place to live?
Pontotoc County scores 43.1/100 on CountyScore's overall county ranking, ranking #59 in Mississippi. The best way to evaluate Pontotoc County is to compare individual dimension scores — property tax, cost of living, income, safety, health, and schools — based on your personal priorities. Use CountyScore to compare Pontotoc County with other counties side by side.
By Logan Johnson, Founder & Data EditorUpdated Reviewed by Logan Johnson, Founder & Data Editor

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Property TaxCost of LivingIncome & JobsSafetyHealthSchoolsDisaster RiskWater QualityWeather & ClimateSoil QualityLawn CareFarmers Markets

Data from U.S. Census Bureau ACS, FBI UCR, CDC, FEMA NRI, NCES, EPA SDWIS, NOAA — informational only.