What are the schools like in Pontotoc, MS?

Pontotoc is served primarily by PONTOTOC COUNTY SCHOOL DISTRICT. The district operates 2 elementary schools, 3 middle schools, and 4 high schools with a student-to-teacher ratio of 13.5:1.

What is the median household income in Pontotoc?

The median household income in Pontotoc, MS is $49,235 according to the most recent US Census American Community Survey 5-year estimates. The unemployment rate is 5.0%.

What is the weather like in Pontotoc, MS?

Pontotoc has an average high temperature of 51.4°F in January and 89.5°F in July. Annual precipitation averages 59.1 inches and annual snowfall averages 1.2 inches.

Pontotoc, MS Cost of Living, Crime & Is It a Good Place to Live? (2026)

Q: Is Pontotoc, MS affordable or expensive?

Pontotoc's cost of living index is 90, where 100 represents the national average. This means Pontotoc is 10% less expensive than the average US city. The median home value is $145,900 and the median rent is $756 per month.

Q: What is the crime rate in Pontotoc, MS?

Pontotoc has a violent crime rate of 251.4 incidents per 100,000 residents and a property crime rate of 1877.3 per 100,000. The national average violent crime rate is approximately 380 per 100,000.

Is Pontotoc, MS a Good Place to Live?

Pontotoc is a small town of 5,676 in Mississippi, with a median household income of $49,235 and a 5.0% unemployment rate. Its cost of living index is 90 (US average = 100), which is 10% below the national average.

Strengths: Pontotoc stands out for an affordable cost of living, below-average home prices, lower-than-average crime, solid school ratings (B-), short average commutes.

Trade-offs: No major red flags stand out in the available data. Whether Pontotoc is right for you depends on your priorities — the full breakdown is below.

All Pontotoc city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.

Cost of Living

Index: 90.4

Pontotoc's overall cost of living index is 90.4, where 100 represents the US national average. Living in Pontotoc costs roughly 10% less than the average American city.

Metric	Pontotoc, MS	National Avg
Median Home Value	$145,900	$244,900
Median Monthly Rent	$756	$1,163
Homeownership Rate	49.8%	65.9%
Median Household Income	$49,235	$74,755

Crime & Safety

Safer than Average

Pontotoc's violent crime rate is 251.4 per 100,000 residents — 34% lower than the national average of ~380 per 100,000.

Violent Crime

251.4 /100k

Property Crime

1877.3 /100k

Vertical marker = national average. Source: FBI UCR Program.

Schools & Education

Pontotoc is served primarily by PONTOTOC COUNTY SCHOOL DISTRICT. The student-to-teacher ratio is 13.5:1 (better than the national average of ~16:1).

Metric	Pontotoc, MS	National Avg
School District	PONTOTOC COUNTY SCHOOL DISTRICT	—
Elementary Schools	2	—
Middle Schools	3	—
High Schools	4	—
Student/Teacher Ratio	13.5:1	16:1
Bachelor's Degree or Higher	20.6%	35.4%
High School Diploma or Higher	85.1%	91.1%

Weather & Climate

Pontotoc sees average highs of 51.4°F in January and 89.5°F in July, with 59.1 inches of annual precipitation and 1.2 inches of snow per year.

Metric	Pontotoc, MS
Average High — January	51.4°F
Average High — July	89.5°F
Annual Precipitation	59.1"
Annual Snowfall	1.2"

Demographics

Metric	Pontotoc, MS	National Avg
Population	5,676	—
Median Age	33.4	38.9
Unemployment Rate	5.0%	3.7%
Avg Commute Time	22.4 min	26 min
White (non-Hispanic)	51.8%	59.3%
Black or African American	28.8%	13.6%
Hispanic or Latino	13.4%	18.9%
Asian	0.0%	6.3%
Under 18	26.1%	22.2%
65 and over	17.4%	16.8%

Nearby Cities

Algoma, MS 5 mi Ecru, MS 7 mi Randolph, MS 10 mi Thaxton, MS 10 mi Blue Springs, MS 12 mi

ZIP Codes in Pontotoc

Pontotoc, MS is covered by 1 ZIP code:

38863

Pontotoc vs Other Cities

Pontotoc, MS vs Algoma, MS Pontotoc, MS vs Ecru, MS Pontotoc, MS vs Randolph, MS Pontotoc, MS vs Thaxton, MS Pontotoc, MS vs Blue Springs, MS

Frequently Asked Questions

Is Pontotoc, MS affordable or expensive?

Pontotoc's cost of living index is 90, where 100 is the national average. That makes Pontotoc roughly 10% less expensive than a typical US city — a meaningful affordability advantage. The median home price is $145,900 and median rent is $756/month.

What is the crime rate in Pontotoc, MS?

Pontotoc's violent crime rate is 251.4 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 1877.3 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.

What are the schools like in Pontotoc?

Public schools in Pontotoc are operated by PONTOTOC COUNTY SCHOOL DISTRICT. The district has 2 elementary, 3 middle, and 4 high schools. The student-to-teacher ratio is 13.5:1. 20.6% of adults 25+ hold a bachelor's degree or higher.

Is Pontotoc, MS a good place to live?

Pontotoc, MS has a population of 5,676, a median household income of $49,235, and an unemployment rate of 5.0%. It offers below-average costs of living, which stretches take-home pay further than in most American cities. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.

What is the weather like in Pontotoc?

Pontotoc averages 51.4°F in January and 89.5°F in July. Annual rainfall is 59.1 inches with about 1.2 inches of snow per year. Based on NOAA 30-year climate normals (1991–2020).

What ZIP codes are in Pontotoc?

Pontotoc, MS is covered by 1 ZIP code: 38863.

What is the population of Pontotoc?

The population of Pontotoc, Mississippi is 5,676 with a median age of 33.4. Source: US Census ACS 5-Year Estimates.

What are the pros and cons of living in Pontotoc?

Key numbers for living in Pontotoc: cost of living index 90 (100 = US average), median home $145,900, median household income $49,235, crime index 75 (100 = US average, lower is safer), schools rated B-. Whether these are benefits or drawbacks depends on where you're coming from — compare Pontotoc side by side with your current city to see the trade-offs.