1st Advantage MortgageAbout 78% of Neshoba County homes are owner-occupied, and the median household income is $57,013. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Who lives in Neshoba County
- Jobs and commutes in Neshoba County
- Household income in Neshoba County
- What it costs to live in Neshoba County
- Cities, towns and CDPs in Neshoba County
- Neighboring counties at a glance
- A Neshoba County household budget, worked through
- What the numbers mean for Neshoba County borrowers
- More Neshoba County figures
- Steps before you apply in Neshoba County
- Checking a lender's license in Mississippi
- More guides for Neshoba County
- Frequently asked questions
Who lives in Neshoba County
With an estimated 28,932 residents (ACS 2020 to 2024), Neshoba County ranks 27th of 82 in Mississippi for population. Packed into 570 square miles, that is close to 51 residents for every square mile of land. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. The Census Bureau counts 4 places in the county (1 incorporated, 3 census-designated); the largest is Philadelphia, with about 6,996 residents, or 24% of the county.
Jobs and commutes in Neshoba County
By the Census industry count, 24% of employed Neshoba County residents work in education and health care and 15% in arts, lodging and food service. Arts, lodging and food service stands out: 15% of workers here, versus 9% statewide. ACS puts five-year average unemployment at 7.5% in Neshoba County. Long commutes are common here: 17% of workers spend 45 minutes or longer getting to work. Only 6.2% of homes here go without a vehicle.
| Industry (employed residents 16+) | Neshoba County | Gap to Mississippi |
|---|---|---|
| Education and health care | 24.1% | -1.3 pts |
| Arts, lodging and food service | 15.4% | +6.6 pts |
| Retail trade | 11.5% | +0.1 pts |
| Manufacturing | 11.3% | -1.7 pts |
| Construction | 7.9% | +1.1 pts |
| Professional and administrative services | 7.8% | +0.2 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Household income in Neshoba County
The median household income in Neshoba County is $57,013, close to the statewide $56,447. That places it 18th among Mississippi's 82 county-level areas.
| Income band | Share in Neshoba County | Difference from Mississippi |
|---|---|---|
| Under $35,000 | 32.7% | +0.2 pts |
| $35,000 to $99,999 | 44.5% | +3.2 pts |
| $100,000 to $199,999 | 18.9% | -1.7 pts |
| $200,000 or more | 4.0% | -1.7 pts |
About 33% of households earn under $35,000, while 23% clear $100,000. 23.1% of residents fall below the federal poverty line (statewide: 18.9%). A household earning below the $57,013 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
What it costs to live in Neshoba County
A typical Neshoba County rental runs $839 a month including utilities, which is 12% below Mississippi. 46% of renting households spend 30% or more of income on rent, and 28% spend half or more. With a median value of $100,000, a typical Neshoba County house costs 1.8 times what the median household earns in a year. Owners occupy 78% of homes.
| Housing | Neshoba County | Mississippi statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $839/mo | $954/mo | $877/mo |
| Median home value | $100,000 | $169,800 | $185,300 |
| Owners | 78% | 70% | 75% |
| Rent-burdened renters | 46% | 51% | 45% |
| Burdened owners | 21% | 26% | n/a |
In an owner-heavy county like Neshoba County, many borrowers can also choose a home equity loan or line of credit. Those can price lower but put the house on the line, so compare the two in writing; our personal loan vs. HELOC guide walks through it.
Cities, towns and CDPs in Neshoba County
Here are the 4 most populous of the county's 4 Census places, with income and rent from the same 2020 to 2024 survey. About 42% of Neshoba County residents live in one of the 4. No Neshoba County place has a separate guide yet; this county page serves all 4.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Philadelphia | city | 6,996 | $50,788 | $791 | 2 mi |
| Pearl River | CDP | 4,047 | $50,922 | $571 | 8 mi |
| Tucker | CDP | 807 | n/a | n/a | 5 mi |
| Bogue Chitto | CDP | 309 | n/a | n/a | 13 mi |
Neighboring counties at a glance
Distances run center to center, from Winston County at 23 miles out to Attala County at 36. Winston County leads the group on income ($53,031), Kemper County trails ($46,431), and Neshoba County out-earns 6 of the six.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Neshoba County | - | $57,013 | $839/mo | 78% |
| Winston County, MS | 23 mi | $53,031 | $721/mo | 73% |
| Leake County, MS | 23 mi | $50,728 | $765/mo | 77% |
| Newton County, MS | 24 mi | $50,540 | $638/mo | 79% |
| Kemper County, MS | 29 mi | $46,431 | $677/mo | 79% |
| Scott County, MS | 34 mi | $48,786 | $888/mo | 71% |
| Attala County, MS | 36 mi | $51,639 | $825/mo | 75% |
A Neshoba County household budget, worked through
Here is the Neshoba County median household run through a simple DTI check. Your numbers will differ.
- $4,751 a month: gross income for a household at the Neshoba County median
- Rent at the median, $839, takes 18% of that
- With a 40% ceiling, about $1,061 remains for car, card, student and any new loan payments
If your rent is above $839, the room shrinks dollar for dollar.
What the numbers mean for Neshoba County borrowers
Where the Neshoba County numbers stand out, and why it matters for a loan:
- Health costs. With 12% of the county uninsured, an interest-free hospital payment plan usually beats a loan (medical bills).
- Repairs on manufactured housing. With 21% of homes here, compare a personal loan with any dealer or park repair program.
- Lower-cost alternatives. In a county with 23% in poverty, nonprofit credit counseling may beat a loan (options).
- 46% rent-burdened. A payment on top of high rent needs a cushion; size it with the calculator.
More Neshoba County figures
18% of Neshoba County adults 25 and older hold a bachelor's degree or more. 11.9% of residents have no health coverage.
| Neshoba County | Mississippi | U.S. county median | |
|---|---|---|---|
| Median age | 37.4 | 38.6 | 41.5 |
| Bachelor's or higher | 17.7% | 25.1% | 22.2% |
| No high school diploma | 15.2% | 12.9% | n/a |
| No health insurance | 11.9% | 11.0% | 7.8% |
| No vehicle | 6.2% | 6.3% | 5.4% |
| Work from home | 2.6% | 5.9% | 8.7% |
| Poverty rate | 23.1% | 18.9% | 13.2% |
| Unemployment (ACS) | 7.5% | 5.8% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 36.2% |
| 15 to 29 min | 33.5% |
| 30 to 44 min | 13.5% |
| 45 to 59 min | 7.3% |
| 60+ min | 9.5% |
Steps before you apply in Neshoba County
Steps that save money for Neshoba County residents:
- Know the exact dollar figure you need before talking to a lender.
- Line up offers side by side: APR, fees in dollars, total cost.
- Check the license, then the reviews, then the offer.
- Lock paid-off cards after consolidating so balances stay at zero.
Checking a lender's license in Mississippi
No county office licenses personal lenders. For Neshoba County, check the Mississippi Department of Banking and Consumer Finance. A CFPB complaint gets forwarded to the company for a response. The Mississippi guide covers state rules in more detail.
More guides for Neshoba County
For statewide rules and data, see the Mississippi guide.
Frequently asked questions
How much do households in Neshoba County earn?
The median is $57,013; 23% earn $100,000 or more and 33% under $35,000. A lender uses your own documented income, not this figure.
How does Neshoba County rent compare with Mississippi?
$839 locally versus $954 for the state, 12% below.
I live in a small Neshoba County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Philadelphia, Pearl River, Tucker, Bogue Chitto.
Does living in Neshoba County change what I qualify for?
Not in our fit check, which uses only the amount, credit range, income and payments you enter, the same for a Neshoba County resident as anyone. Lenders decide under fair-lending law.
Who regulates personal lenders for Neshoba County residents?
The Mississippi Department of Banking and Consumer Finance licenses consumer lenders in Mississippi; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.