Mortgage Rates in Gautier, Mississippi — March 2026
Updated March 2026 | Based on Gautier market data and regional lending conditions
Gautier is a growing city in Mississippi with a population of 18,572. The current 30-year fixed mortgage rate in Gautier is 6.84%, which is 0.19% above the national average. With a median home price of $128,000 and a 20% down payment of $25,600, homebuyers can expect a monthly principal and interest payment of approximately $670.
Current Mortgage Rates in Gautier, MS
Below are the current average mortgage rates available in the Gautier area as of March 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 | 6.84% | 6.65% | +0.19% |
| 15-Year Fixed | 6.06% | 5.89% | +0.17% |
| 5/1 ARM | 6.31% | 6.15% | +0.16% |
| FHA | 6.55% | 6.25% | +0.3% |
| VA | 6.3% | 6.05% | +0.25% |
| Jumbo | 7.09% | 6.85% | +0.24% |
Gautier Housing Market Overview
The Gautier housing market offers relatively affordable housing compared to many major cities. The median household income in Gautier is $46,500, and the cost of living index is 75.5 (national average = 100). Based on the 28% affordability rule, the median income in Gautier is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Gautier
Based on the median home price of $128,000 with 20% down ($25,600), here is what you can expect to pay monthly in Gautier:
15-Year vs. 30-Year Mortgage in Gautier
Choosing a 15-year mortgage in Gautier at 6.06% instead of a 30-year at 6.84% would save you $85,140 in total interest over the life of the loan. However, your monthly payment would be $867 instead of $670 — an increase of $197 per month.
Calculate Your Gautier 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 Gautier
What are the current mortgage rates in Gautier, MS?
As of March 2026, the average 30-year fixed mortgage rate in Gautier, Mississippi is 6.84%, while the 15-year fixed rate is 6.06%. FHA loans average 6.55% and VA loans 6.3%. These rates are 0.19% above the national average of 6.65%.
How much is a monthly mortgage payment in Gautier?
Based on the median home price of $128,000 with 20% down, the estimated monthly mortgage payment in Gautier is $670 for principal and interest. Including property taxes of $85/month, the total monthly housing cost is approximately $755.
What income do I need to buy a home in Gautier?
Using the 28% rule, you would need an annual income of approximately $32,357 to afford the median-priced home in Gautier at $128,000. The median household income in Gautier is $46,500. The median income is currently sufficient to meet this threshold.
Is Gautier a good place to buy a home in 2026?
Gautier offers a below-average cost of living with a cost of living index of 75.5 (national average = 100). The property tax rate in Mississippi is 0.8%, which is below the national average. Gautier has a population of 18,572 and offers a very affordable lifestyle.
Mortgage Rates in Other Mississippi Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Gautier, Mississippi area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.