Mortgage Rates in D Iberville, Mississippi — April 2026
Updated April 2026 | Based on D Iberville market data and regional lending conditions
D Iberville is a smaller Mississippi community of 13,766 where home prices remain well below the national median, making homeownership more attainable. The current 30-year fixed rate here is 6.88% (0.79% above the national average). At a median home price of $119,000, the estimated $708/month payment (with 20% down) is affordable on the local median income of $44,200.
Whether you call it a 30-year mortgage, 30-year home loan, 30-year house loan, or 30-year mortgage loan, the underlying product is the same: a fixed-rate amortizing loan paid over 360 months. In D Iberville, MS, the current 30-year rate is 6.88%. Shorter terms (15-year fixed at 6.1% or 20-year fixed, typically priced between the 15- and 30-year) reduce total interest paid but increase monthly payments — see our 15-year vs 30-year comparison for the math. Government-backed options include FHA loans (6.57%) and VA loans (6.32%), often available at lower rates with reduced down payment requirements.
Current Mortgage Rates in D Iberville, MS
Below are the current average mortgage rates available in the D Iberville area as of April 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.88% | 6.09% | +0.79% |
| 15-Year Fixed | 6.1% | 5.58% | +0.52% |
| 5/1 ARM | 6.33% | 5.95% | +0.38% |
| FHA | 6.57% | 5.85% | +0.72% |
| VA | 6.32% | 5.65% | +0.67% |
| Jumbo | 7.13% | 6.25% | +0.88% |
D Iberville Housing Market Overview
D Iberville is one of the more affordable housing markets, with a median home price of just $119,000 — significantly below the national median. Combined with a property tax rate of 0.83%, the total monthly housing cost of $708 is within reach for many local households earning the median $44,200.
Monthly Payment Breakdown for D Iberville
Based on the median home price of $119,000 with 20% down ($23,800), here is what you can expect to pay monthly in D Iberville:
15-Year vs. 30-Year Mortgage in D Iberville
Choosing a 15-year mortgage in D Iberville at 6.1% instead of a 30-year at 6.88% would save you $79,740 in total interest over the life of the loan. However, your monthly payment would be $809 instead of $626 — an increase of $183 per month.
Calculate Your D Iberville Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in D Iberville
What are the current mortgage rates in D Iberville, MS?
As of April 2026, the average 30-year fixed mortgage rate in D Iberville, Mississippi is 6.88%, while the 15-year fixed rate is 6.1%. FHA loans average 6.57% and VA loans 6.32%. These rates are 0.79% above the national average of 6.09%.
How much is a monthly mortgage payment in D Iberville?
Based on the median home price of $119,000 with 20% down, the estimated monthly mortgage payment in D Iberville is $626 for principal and interest. Including property taxes of $82/month, the total monthly housing cost is approximately $708.
What income do I need to buy a home in D Iberville?
Using the 28% rule, you would need an annual income of approximately $30,343 to afford the median-priced home in D Iberville at $119,000. The median household income in D Iberville is $44,200. The median income is currently sufficient to meet this threshold.
Is D Iberville a good place to buy a home in 2026?
D Iberville offers a below-average cost of living with a cost of living index of 81.6 (national average = 100). The property tax rate in Mississippi is 0.83%, which is near the national average. D Iberville has a population of 13,766 and offers a very affordable lifestyle.
Mortgage Rates in Other Mississippi Cities
Related Tools & Guides
📊 Sources & Methodology
- 30-yr/15-yr fixed rates: Freddie Mac Primary Mortgage Market Survey (PMMS), weekly national average adjusted for Mississippi regional spread.
- Median home price: $119,000 sourced from Redfin / Zillow real estate listings (2026 data).
- Property tax rate: 0.83% effective rate per Tax Foundation 2026 state property tax data.
- Median household income: $44,200 per US Census Bureau ACS 5-year estimate.
- Calculations: standard amortization formula M = P[r(1+r)^n] / [(1+r)^n − 1], with r = monthly rate, n = 360 months, P = loan amount (80% of home price).
Last updated: April 2026. Rates are approximate averages based on regional lending data for the D Iberville, Mississippi area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.