Retiring in North Mississippi

By Kaspar Caldwell, REALTOR® · Reviewed

Why North Mississippi appeals to retirees: low home prices, quiet small towns, lakes and the Natchez Trace, plus what to look for in a retirement home.

Short answer

North Mississippi offers some of the lowest home prices in the country, small-town living, lakes like Pickwick, Grenada and Sardis, and regional medical care in Tupelo, Oxford and Corinth. Look for single-level homes, low-maintenance lots and easy access to doctors.

Key takeaways

  • Low home prices stretch retirement savings.
  • Single-level homes and small lots reduce upkeep.
  • Check distance to hospitals and pharmacies.
  • USDA can work for retirees with qualifying fixed income.

What draws retirees here

  • Affordable homes, often well under national averages
  • Lakes and parks: Pickwick, Tishomingo State Park, Grenada, Sardis, Enid, Davis Lake
  • The Natchez Trace Parkway for scenic drives
  • Regional medical centers in Tupelo, Oxford and Corinth
  • Mississippi exempts qualified retirement income from state income tax

What to look for in a retirement home

  • Single-level layout
  • Walk-in shower or easy-to-update bathroom
  • Low-maintenance yard
  • Paved, well-lit driveway
  • Short drive to medical care and shopping

Can retirees use USDA $0 down?

Yes. Social Security, pensions and retirement income can count, as long as the household qualifies and the home is in an eligible area.

How Kaspar helps

Kaspar Caldwell, REALTOR®, helps retirees and downsizers find homes that fit their budget and lifestyle, and can help you sell your current home.

Frequently asked questions

Does Mississippi tax retirement income?

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Mississippi exempts qualified retirement income such as Social Security and qualified pensions from state income tax. Confirm your situation with a tax professional.

Can I buy with cash?

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Yes, and many homes here are priced within reach of cash buyers.