Mississippi · GEOID 28095

Monroe County

2024 ACS 5-year estimates · population 33,747 · 16,843 housing units

Median household income

$51,866

State $57,627

Median home value

$120,800

State $173,984

Median gross rent

$768

State $965

Homeownership rate

76.3%

State 70.0%

Renter cost-burden rate

50.7%

≥30% of income

Owner cost-burden rate

17.9%

≥30% of income

Homeowner vacancy

0.6%

Of owner-occupied + for-sale units

Rental vacancy

7.0%

Of renter-occupied + for-rent units

Overall vacancy

17.5%

All housing units

Price-to-income ratio

2.33

Affordable: 2.0–3.0

Section 1

Community Profile

Population, demographics, household composition, and income.

Community Data Summary

	Monroe County	Mississippi
Population	33,747	2,946,779
Population density (per sq. mi.)	44.10	—
Median household income	$51,866	$57,627
HUD Area Median Income (4-person, 100%)	$69,400	—
Households	13,895	—
Average household size	2.39 people	—
Owner-occupied	76.3%	70.0%
Renter-occupied	23.7%	30.0%
Race	67.1% White · 29.7% Black	0.0% White · 0.0% Black

Source: ACS 5-year 2024 (Tables DP05, S1101, DP04, S1901) and Census Gazetteer (land area); HUD FY2026 Income Limits.

Racial composition

Monroe County compared with Mississippi.

Source: ACS 5-year 2024, Table DP05.

Educational attainment (population 25+)

16.4% hold a bachelor's degree or higher (state: 25.1%).

Source: ACS 5-year 2024, Table S1501.

Median Household Income by Tenure

Owner-occupied vs. renter-occupied household income, county and state.

Source: ACS 5-year 2024, Table B25119.

Median Household Income by Age of Householder

Median household income by age group of householder.

Source: ACS 5-year 2024, Table B19049.

Median Household Income by Number of Earners

Median household income for families with each earner count.

Source: ACS 5-year 2024, Table S1903.

Household Size

Distribution of households by number of people.

Source: ACS 5-year 2024, Table S2501.

Income by Number of Earners

Earners	Share	Median income	Attainable monthly housing cost	Attainable home
0 earners	21.7%	$30,812	$770	$83,673
1 earner	36.9%	$54,746	$1,369	$172,764
2 earners	34.0%	$110,625	$2,766	$380,764
3+ earners	7.4%	$102,917	$2,573	$352,072

Attainable monthly housing cost = 30% of gross income ÷ 12. Attainable home price assumes 30% housing budget, 30-yr mortgage at 7%, 5% down.

Source: ACS 5-year 2024, Table S1903; affordability formula derived.

Households

13,895

Average size: 2.39 people

Households with children

3,407

24.5% of households

Per-capita income

$29,127

Poverty rate: 18.2%

Section 2

Residential Market Analysis

Housing stock characteristics — tenure, type, age, size, vacancy, rents.

Tenure

76.3% owner-occupied vs. state average 70.0%.

Source: ACS 5-year 2024, Table DP04.

Structure type

Single-family share 71.4% · Missing middle (2–19 units) 9.0%.

Source: ACS 5-year 2024, Table B25024.

Housing stock by decade

47.0% built before 1980 · Median structure age 1,982.00 yrs.

Source: ACS 5-year 2024, Table S2504.

Housing size mismatch

Compares the share of housing units by bedroom count against the share of households by size — a common diagnostic of housing supply/demand alignment.

Source: ACS 5-year 2024, Tables B25041 (bedrooms) and S2501 (household size).

Home value distribution

Owner-occupied homes by value bracket. Median: $120,800.

Source: ACS 5-year 2024, Table DP04.

Monthly Housing Costs

Distribution of monthly housing costs across all occupied units.

Source: ACS 5-year 2024, Table B25104.

Number of Bedrooms

Housing units by number of bedrooms.

Source: ACS 5-year 2024, Table B25041.

Median rent by bedroom

Overall median gross rent: $768.

Source: ACS 5-year 2024, Table B25031.

Renters by age

Number of renter householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Owners by age

Number of owner householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Vacancy composition

All 2,948 vacant units split into Census's seven categories. Frictional vacancy (units actively on the market) reflects healthy churn. Structural vacancy (seasonal, migrant, other) sits outside the market for year-round residents — high values change how the headline vacancy rate should be read.

Vacant units by type

For sale 2.1% · For rent 8.4% · Seasonal 11.0% · Other 74.8%.

Source: ACS 5-year 2024, Table B25004.

Frictional vs structural

14.2% of vacancy is frictional (for sale + for rent + rented/sold not yet occupied); 85.8% is structural (seasonal + migrant + other).

Source: ACS 5-year 2024, Table B25004.

Seasonal / recreational share of all housing

1.9%

323 units of 16,843 total

Housing units held for seasonal or recreational use.

"Other vacant" share of all housing

13.1%

2,206 units of 16,843 total

⚑ Above the 5% threshold — possible indicator of disinvestment, abandonment, or condemned stock.

Section 3

Workforce Housing Needs Assessment

Affordability, cost burden, and the housing options for households in the workforce income range.

Workforce range — ACS median household income

80% MHI$41,493

100% MHI$51,866

120% MHI$62,239

County-wide median from ACS 5-year estimates. A household at 100% MHI in Monroe County should be able to afford a home up to roughly — (30% housing budget, default mortgage terms).

Workforce range — HUD Area Median Income

	1-person	2-person	4-person
80% AMI	$40,350	$46,100	$57,600
100% AMI	$48,580	$55,520	$69,400
120% AMI	$58,300	$66,600	$83,300

HUD FMR Area: Monroe County, MS. 80% AMI uses HUD's published Section 8 Low Income Limits; 100% is HUD MFI; 120% is the standard workforce convention.

Affordability calculator

Follows the standard 30%-of-gross-income affordability rule.

Income basis Household income Interest rate % Down payment % Taxes & insurance / yr

Affordable monthly—

Affordable home price—

Renter cost burden

50.7% of renter households spend ≥30% of income on rent (26.7% spend ≥50%).

Source: ACS 5-year 2024, Table B25070.

Owner cost burden by income

17.9% of homeowners spend ≥30% of income on housing. Bars show counts of cost-burdened owners by income bracket.

Source: ACS 5-year 2024, Table B25106.

Household income — owners vs renters

Distribution of household income for owner-occupied (navy) and renter-occupied (gold) households.

Source: ACS 5-year 2024, Table B25118.

Section 4

Industry & Workforce Wages

Employment, average wages, and the housing each industry's typical earner can afford in Monroe County.

Covered employment

6,778

Across 17 sectors

Establishments

601

QCEW 2024

Avg annual pay (workforce)

$56,067

Employment-weighted across sectors

Top 10 sectors by employment

Annual average employment by NAICS 2-digit sector. Counties with fewer than five covered establishments in a sector may show suppressed totals.

Source: BLS QCEW Annual Averages, 2024.

Attainable housing by industry

Industry	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 31-33 Manufacturing NAICS 31-33	2,373	$73,128	$241,188	+$120,388	$1,828
NAICS 44-45 Retail trade NAICS 44-45	1,097	$29,402	$78,425	−$42,375	$735
NAICS 23 Construction NAICS 23	836	$70,180	$230,214	+$109,414	$1,755
NAICS 61 Educational services NAICS 61	784	$40,818	$120,919	+$119	$1,020
NAICS 92 Public administration NAICS 92	572	$41,245	$122,508	+$1,708	$1,031
NAICS 48-49 Transportation and warehousing NAICS 48-49	182	$59,895	$191,930	+$71,130	$1,497
NAICS 42 Wholesale trade NAICS 42	173	$73,492	$242,543	+$121,743	$1,837
NAICS 81 Other services (except public administration) NAICS 81	159	$45,660	$138,943	+$18,143	$1,142
NAICS 56 Administrative and support and waste management and remediation services NAICS 56	158	$36,712	$105,635	−$15,165	$918
NAICS 52 Finance and insurance NAICS 52	154	$49,948	$154,904	+$34,104	$1,249
NAICS 22 Utilities NAICS 22	61	$55,319	$174,897	+$54,097	$1,383
NAICS 51 Information NAICS 51	60	$41,318	$122,780	+$1,980	$1,033
NAICS 62 Health care and social assistance NAICS 62	40	$31,639	$86,752	−$34,048	$791
NAICS 11 Agriculture, forestry, fishing and hunting NAICS 11	39	$53,042	$166,421	+$45,621	$1,326
NAICS 21 Mining, quarrying, and oil and gas extraction NAICS 21	36	$89,015	$300,325	+$179,525	$2,225
NAICS 54 Professional, scientific, and technical services NAICS 54	29	$80,739	$269,518	+$148,718	$2,018
NAICS 53 Real estate and rental and leasing NAICS 53	25	$34,923	$98,976	−$21,824	$873

Subsector	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 611 Educational services NAICS 611	784	$40,818	$120,919	+$119	$1,020
NAICS 722 Food services and drinking places NAICS 722	715	$16,129	$29,018	−$91,782	$403
NAICS 325 Chemical manufacturing NAICS 325	706	$105,364	$361,181	+$240,381	$2,634
NAICS 337 Furniture and related product manufacturing NAICS 337	679	$52,929	$166,000	+$45,200	$1,323
NAICS 921 Executive, legislative, and other general government support NAICS 921	500	$35,082	$99,568	−$21,232	$877
NAICS 455 General merchandise retailers NAICS 455	418	$30,076	$80,934	−$39,866	$752
NAICS 621 Ambulatory health care services NAICS 621	395	$48,126	$148,122	+$27,322	$1,203
NAICS 238 Specialty trade contractors NAICS 238	388	$55,937	$177,197	+$56,397	$1,398
NAICS 623 Nursing and residential care facilities NAICS 623	314	$40,573	$120,007	−$793	$1,014
NAICS 336 Transportation equipment manufacturing NAICS 336	210	$50,860	$158,299	+$37,499	$1,272
NAICS 332 Fabricated metal product manufacturing NAICS 332	201	$71,201	$234,015	+$113,215	$1,780
NAICS 445 Food and beverage retailers NAICS 445	170	$18,095	$36,336	−$84,464	$452
NAICS 624 Social assistance NAICS 624	160	$27,357	$70,813	−$49,987	$684
NAICS 441 Motor vehicle and parts dealers NAICS 441	125	$39,671	$116,649	−$4,151	$992
NAICS 522 Credit intermediation and related activities NAICS 522	123	$47,374	$145,323	+$24,523	$1,184
NAICS 423 Merchant wholesalers, durable goods NAICS 423	111	$84,119	$282,100	+$161,300	$2,103
NAICS 457 Gasoline stations and fuel dealers NAICS 457	110	$29,203	$77,684	−$43,116	$730
NAICS 444 Building material and garden equipment and supplies dealers NAICS 444	80	$28,588	$75,395	−$45,405	$715
NAICS 811 Repair and maintenance NAICS 811	72	$64,580	$209,369	+$88,569	$1,615
NAICS 424 Merchant wholesalers, nondurable goods NAICS 424	63	$53,600	$168,498	+$47,698	$1,340
NAICS 456 Health and personal care retailers NAICS 456	63	$46,265	$141,195	+$20,395	$1,157
NAICS 221 Utilities NAICS 221	61	$55,319	$174,897	+$54,097	$1,383
NAICS 459 Sporting goods, hobby, musical instrument, book, and miscellaneous retailers NAICS 459	58	$29,159	$77,520	−$43,280	$729
NAICS 812 Personal and laundry services NAICS 812	57	$26,176	$66,416	−$54,384	$654
NAICS 491 Postal service NAICS 491	56	$58,890	$188,189	+$67,389	$1,472
NAICS 484 Truck transportation NAICS 484	56	$53,888	$169,570	+$48,770	$1,347
NAICS 922 Justice, public order, and safety activities NAICS 922	46	$102,423	$350,234	+$229,434	$2,561
NAICS 449 Furniture, home furnishings, electronics, and appliance retailers NAICS 449	37	$26,898	$69,104	−$51,696	$672
NAICS 458 Clothing, clothing accessories, shoe, and jewelry retailers NAICS 458	36	$15,178	$25,478	−$95,322	$379
NAICS 517 Telecommunications NAICS 517	34	$62,636	$202,133	+$81,333	$1,566
NAICS 541 Professional, scientific, and technical services NAICS 541	29	$80,739	$269,518	+$148,718	$2,018
NAICS 115 Support activities for agriculture and forestry NAICS 115	24	$58,629	$187,218	+$66,418	$1,466
NAICS 923 Administration of human resource programs NAICS 923	15	$49,456	$153,073	+$32,273	$1,236
NAICS 519 Web search portals, libraries, archives, and other information services NAICS 519	15	$16,789	$31,475	−$89,325	$420
NAICS 531 Real estate NAICS 531	11	$43,412	$130,575	+$9,775	$1,085
NAICS 111 Crop production NAICS 111	10	$40,847	$121,027	+$227	$1,021
NAICS 924 Administration of environmental quality programs NAICS 924	7	$41,616	$123,889	+$3,089	$1,040
NAICS 926 Administration of economic programs NAICS 926	4	$76,574	$254,015	+$133,215	$1,914
NAICS 561 Administrative and support services NAICS 561	2	$30,663	$83,119	−$37,681	$767

Affordable home price assumes the industry's average earner uses 30% of gross income for housing, with a 30-year mortgage at 7%, 5% down, $2,500/yr taxes & insurance, and 0.5% PMI. Adjust the Section 3 calculator for other terms. Affordable rent is 30% of monthly gross pay.

Source: BLS QCEW Annual Averages, 2024; ACS 5-year 2024 (median home value).

Section 5

Wages by Occupation

Selected essential-worker occupations for the MSA or nonmetropolitan area containing this county — jobs, the 10-year change, wages, and the housing each typical earner can afford. Both jobs counts and wages are reported at the MSA / nonmetropolitan-area level (BLS does not publish OEWS at the county level), so every county inside the same area shows the same numbers. For county-accurate employment totals, see Section 4 above.

Occupational wages and affordable housing

Occupation	2025 jobs	2015–2025 change	% change	Hourly wage	Annual wage	Affordable home price	Affordable monthly rent
Fast Food and Counter Workers SOC 35-3023	5,980	—	—	$11.25	$23,390	$56,046	$585
Waiters and Waitresses SOC 35-3031	2,900	—	—	$11.52	$23,960	$58,168	$599
Childcare Workers SOC 39-9011	830	—	—	$11.54	$24,010	$58,354	$600
Cashiers SOC 41-2011	6,210	—	—	$12.38	$25,740	$64,794	$644
Janitors and Cleaners SOC 37-2011	2,700	—	—	$13.91	$28,930	$76,668	$723
Retail Salespersons SOC 41-2031	7,020	—	—	$14.24	$29,610	$79,199	$740
Home Health and Personal Care Aides SOC 31-1131	2,620	—	—	$15.73	$32,710	$90,738	$818
Firefighters SOC 33-2011	410	—	—	$16.69	$34,720	$98,220	$868
Office Clerks, General SOC 43-9061	2,800	—	—	$17.32	$36,030	$103,096	$901
Tellers SOC 43-3071	850	—	—	$17.80	$37,010	$106,744	$925
Construction Laborers SOC 47-2061	1,420	—	—	$19.30	$40,140	$118,395	$1,004
Police and Sheriff's Patrol Officers SOC 33-3051	1,530	—	—	$21.86	$45,470	$138,235	$1,137
Maintenance and Repair Workers, General SOC 49-9071	2,700	—	—	$22.11	$45,990	$140,171	$1,150
Carpenters SOC 47-2031	550	—	—	$22.27	$46,320	$141,399	$1,158
Elementary School Teachers, Except Special Education SOC 25-2021	2,000	—	—	—	$51,810	$161,835	$1,295
Heavy and Tractor-Trailer Truck Drivers SOC 53-3032	4,360	—	—	$26.18	$54,460	$171,699	$1,362
Paramedics SOC 29-2043	240	—	—	$26.39	$54,880	$173,262	$1,372
Electricians SOC 47-2111	1,110	—	—	$27.39	$56,980	$181,079	$1,425
Plumbers, Pipefitters, and Steamfitters SOC 47-2152	270	—	—	$28.08	$58,400	$186,365	$1,460
Registered Nurses SOC 29-1141	5,240	—	—	$36.14	$75,160	$248,752	$1,879

Affordable home price uses the same Section 3 formula (30% housing budget, 30-year mortgage at 7%, 5% down, $2,500/yr T&I, 0.5% PMI). Affordable rent is 30% of monthly wages. Negative job-change values are shown in red parentheses. A "prior-year code differs" note flags occupations whose SOC code changed between the two vintages (2010 SOC → 2018 SOC) — the change estimate is best-effort.

Source: BLS OEWS May 2025 (10-year change vs. May 2015). Jobs counts and wages reflect the MSA or nonmetropolitan area containing this county, not the county alone — OEWS is not published at the county level.

Methodology & sources

All figures derive from the 2024 American Community Survey 5-year estimates. State and national comparisons are population-weighted aggregates of county-level estimates (an approximation; ACS publishes its own state and national medians which can differ slightly).

The affordability calculator uses a 30% housing-budget rule with a 30-year mortgage. Defaults are 7% interest, 5% down, $2,500/year taxes and insurance, and 0.5% PMI — adjustable above.

Variables: 28095 · pulled from Full Housing Data Table.xlsx.