1st Advantage MortgageAbout 69% of Yalobusha County homes are owner-occupied, and the median household income is $49,151. Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Getting oriented in Yalobusha County
- Employment and commuting in Yalobusha County
- How much Yalobusha County households make
- Rent, home values and ownership in Yalobusha County
- The communities that make up Yalobusha County
- Regional comparison for Yalobusha County
- A Yalobusha County household budget, worked through
- Before borrowing in Yalobusha County
- Yalobusha County households compared
- Four steps for Yalobusha County borrowers
- Licensing and complaints for Yalobusha County
- More guides for Yalobusha County
- Frequently asked questions
Getting oriented in Yalobusha County
Roughly 12,419 residents live in Yalobusha County, Mississippi, 62nd by population among the state's 82 counties and county equivalents. It covers 467 square miles of land, or about 27 people per square mile. Under the July 2023 OMB definitions, Yalobusha County is not part of any metropolitan area. Water Valley is the biggest of its 4 Census places, at roughly 3,376 people (27% of the county total).
Employment and commuting in Yalobusha County
The biggest employer of Yalobusha County residents, by industry, is education and health care at 30% of workers, followed by manufacturing (16%). The sharpest difference from the state is in education and health care, at 30% locally and 25% for Mississippi. ACS puts five-year average unemployment at 5.9% in Yalobusha County. 17% of commuters travel 45 minutes or more each way, and 8% work from home. Households without a car make up 5.8% of the total (6.3% statewide).
| Where residents work | Yalobusha County | Difference from Mississippi |
|---|---|---|
| Education and health care | 29.7% | +4.3 pts |
| Manufacturing | 15.6% | +2.6 pts |
| Construction | 10.2% | +3.4 pts |
| Transportation, warehousing and utilities | 9.9% | +2.5 pts |
| Professional and administrative services | 8.5% | +1.0 pts |
| Retail trade | 7.6% | -3.7 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Yalobusha County should have bank statements and tax returns ready.
How much Yalobusha County households make
The median household income in Yalobusha County is $49,151; statewide it is $56,447, so Yalobusha County runs 13% below Mississippi as a whole. In the state ranking that is 43rd of 82.
| Yearly household income | Yalobusha County | Gap to Mississippi |
|---|---|---|
| Under $35,000 | 36.4% | +3.9 pts |
| $35,000 to $99,999 | 43.3% | +2.1 pts |
| $100,000 to $199,999 | 17.2% | -3.4 pts |
| $200,000 or more | 3.1% | -2.6 pts |
About 36% of households earn under $35,000, while 20% clear $100,000. Census counts 21.5% of Yalobusha County residents in poverty, against 18.9% across Mississippi. Income inequality, measured by the Gini index, comes to 0.454 here. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Rent, home values and ownership in Yalobusha County
Renters in Yalobusha County pay a median of $667 a month, 30% below the Mississippi figure of $954. By the Census definition, 43% of Yalobusha County renters are cost-burdened. Home values center on $122,300, or 2.5 years of median income. Owners occupy 69% of homes. The median year built is 1981.
| Home costs | Yalobusha County | Mississippi | U.S. middle county |
|---|---|---|---|
| Median gross rent | $667/mo | $954/mo | $877/mo |
| Median home value | $122,300 | $169,800 | $185,300 |
| Owners | 69% | 70% | 75% |
| Rent-burdened renters | 43% | 51% | 45% |
| Burdened owners | 20% | 26% | n/a |
| Vacant units | 23% | 15% | n/a |
The communities that make up Yalobusha County
The table lists the 4 largest of 4 Census places in Yalobusha County, by population. Together all 4 hold about 4,642 people, so roughly 63% of residents live outside any named place. Live in one of these Yalobusha County communities, or between them? This is your local guide.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Water Valley | city | 3,376 | $42,684 | $606 | 10 mi |
| Coffeeville | town | 785 | $26,250 | $670 | 4 mi |
| Oakland | town | 402 | $32,697 | n/a | 12 mi |
| Tillatoba | town | 79 | $81,932 | n/a | 11 mi |
Regional comparison for Yalobusha County
Nearest neighbors first, measured between county centers (19 to 37 miles). 1 of the six report a higher median household income than Yalobusha County; Lafayette County is highest at $67,185 and Tallahatchie County lowest at $37,466.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Yalobusha County | - | $49,151 | $667/mo | 69% |
| Grenada County, MS | 19 mi | $48,804 | $807/mo | 67% |
| Calhoun County, MS | 22 mi | $43,125 | $662/mo | 72% |
| Lafayette County, MS | 26 mi | $67,185 | $1,085/mo | 64% |
| Tallahatchie County, MS | 27 mi | $37,466 | $732/mo | 65% |
| Panola County, MS | 27 mi | $45,945 | $874/mo | 71% |
| Montgomery County, MS | 37 mi | $41,748 | $734/mo | 76% |
A Yalobusha County household budget, worked through
The debt-to-income ratio is the main affordability test lenders use. Applied to Yalobusha County's medians:
- $4,096 a month: gross income for a household at the Yalobusha County median
- Housing at the median rent of $667 uses 16%
- At 36%, room after rent is $808 a month
If your rent is above $667, the room shrinks dollar for dollar.
Before borrowing in Yalobusha County
Based on the Yalobusha County data above, these borrowing questions are most likely to matter locally.
- Medical bills. 12% of Yalobusha County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- Repairs on manufactured housing. With 24% of homes here, compare a personal loan with any dealer or park repair program.
- Lower-cost alternatives. In a county with 22% in poverty, nonprofit credit counseling may beat a loan (options).
Yalobusha County households compared
16% of Yalobusha County adults 25 and older hold a bachelor's degree or more. 11.5% of residents have no health coverage.
| Residents | Yalobusha County | Mississippi | Middle U.S. county |
|---|---|---|---|
| Median age | 42.6 | 38.6 | 41.5 |
| Bachelor's or higher | 15.6% | 25.1% | 22.2% |
| No high school diploma | 16.6% | 12.9% | n/a |
| No health insurance | 11.5% | 11.0% | 7.8% |
| No vehicle | 5.8% | 6.3% | 5.4% |
| Work from home | 7.9% | 5.9% | 8.7% |
| Poverty rate | 21.5% | 18.9% | 13.2% |
| Unemployment (ACS) | 5.9% | 5.8% | 4.4% |
| One-way commute | Share of Yalobusha County workers |
|---|---|
| Under 15 min | 28.4% |
| 15 to 29 min | 23.7% |
| 30 to 44 min | 30.6% |
| 45 to 59 min | 2.7% |
| 60+ min | 14.6% |
Four steps for Yalobusha County borrowers
Steps that save money for Yalobusha County residents:
- Get a written quote for whatever you are paying for in Yalobusha County.
- Collect three written offers and compare APR and total repaid.
- Check the license, then the reviews, then the offer.
- Ask a Yalobusha County credit union about member loans.
Licensing and complaints for Yalobusha County
Before sharing details with a lender, a Yalobusha County resident can confirm its license with the Mississippi Department of Banking and Consumer Finance. Federal complaints: consumerfinance.gov. The Mississippi guide covers state rules in more detail.
More guides for Yalobusha County
For statewide rules and data, see the Mississippi guide.
Frequently asked questions
How much do households in Yalobusha County earn?
The median is $49,151; 20% earn $100,000 or more and 36% under $35,000. A lender uses your own documented income, not this figure.
What do renters pay in Yalobusha County?
$667 a month at the median, about 16% of median household income.
Which towns does the Yalobusha County guide cover?
Every community in the county, unincorporated areas included. The largest of its 4 Census places: Water Valley, Coffeeville, Oakland, Tillatoba.
Can Yalobusha County residents use the questionnaire?
Yes. It asks the same questions in every Mississippi county, lists every requirement up front and does not affect your credit score.
Who do I complain to about a lender in Yalobusha County?
Start with the Mississippi Department of Banking and Consumer Finance, then the CFPB complaint portal. Keep copies of every message.