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Payroll Withholding Calculator for Gulfport, MS
Local data pre-filled
Based on Gulfport's median income of $61,266, estimate your federal and Mississippi state payroll withholding. See your projected take-home pay per paycheck in Gulfport, MS.
✓ Calculator below is pre-filled with Gulfport local data
Data as of · Sources: Zillow, Census ACS, Tax Foundation, Freddie Mac
Mississippi Financial Snapshot (2026) — Payroll Withholding Calculator
Bracket stack and standard deduction are the primary inputs for the payroll withholding calculator in Mississippi.
How the Payroll Withholding Calculator Math Works Under Mississippi Law
Your Mississippi payroll withholding calculator stacks federal and state income tax onto FICA (Social Security 6.2% + Medicare 1.45%). Mississippi's 2026 structure is graduated, with a top marginal rate of 4.40%[1]. Standard deduction for single filers: $2,300. Married filing jointly: $4,600.
| Taxable income (single) | Marginal rate |
|---|---|
| $0 – $10,000 | 0.00% |
| $10,000+ | 4.40% |
Local context: Gulfport, MS
Housing economics in Gulfport, MS. The median home value runs 38.6% below the U.S. baseline for Gulfport, MS is $219,771 per Zillow's home-value index. Median rent runs $1,406 a month per Zillow ZORI, cheaper than the national $1,850 baseline. Effective property tax sits at 0.90% of assessed value, below the 0.99% national average tracked by the Tax Foundation.
Income and tax climate. Mississippi's top marginal state income tax bracket lands at 5.00% — compared to the volume-weighted national average around 4-5%. BEA's Regional Price Parity scores Gulfport, MS at 84.0 (national = 100), meaning a dollar in Gulfport, MS buys 119¢ — more goods and services than the same dollar nationally.
Local context as of 2026-04-19.
Gulfport versus the U.S. baseline
| Metric | Gulfport, MS | U.S. baseline | Difference |
|---|---|---|---|
| Median home value[zillow] | $219,771 | $358,000 | -38.6% |
| Median monthly rent[zillow] | $1,406 | $1,850 | -24.0% |
| Property tax (effective)[tax-foundation] | 0.90% | 0.99% | -9.1% |
| State top marginal income tax[tax-foundation] | 5.00% | ~4.08% (volume-weighted) | 0.9 pp |
| State cost-of-living index[bea-rpp] | 84.0 | 100.0 | -16.0 pts |
How to use the Payroll Withholding Calculator
Walk through using the Payroll Withholding Calculator with Gulfport, MS-specific defaults pre-loaded from primary sources.
- Enter your Gulfport numbersFill in the payroll withholding inputs. Defaults reflect Gulfport, MS 2026: median home $219,771, median rent $1,406/mo, 0.90% effective property tax.
- Apply the local 2026 inputsThe median home value in Gulfport is $219,771 (Zillow ZHVI), with median monthly rent running $1,406/mo.
- Compare against Gulfport contextMonthly PITI on the $219,771 median home in Gulfport is ~$1,581/mo — vs a $1,406/mo median rent.
How Mississippi Compares to Neighboring States
| State | Median home | Top inc tax | Prop tax rate | RPP (US=100) |
|---|---|---|---|---|
| Mississippi (this page) | $182,000 | 4.40% | 0.79% | 86.8 |
| see Alabama | $223,000 | 5.00% | 0.41% | 89.1 |
| Arkansas equivalent | $198,000 | 3.90% | 0.64% | 86.8 |
| check Louisiana | $215,000 | 3.00% | 0.55% | 88.7 |
| Tennessee side-by-side | $325,000 | None | 0.71% | 92.1 |
Sources: Zillow ZHVI[1], state Departments of Revenue / Tax Foundation[2], Tax Foundation property taxes[3], BEA Regional Price Parities[4].
What Changes Your Result in Mississippi
- Marginal vs effective rate:Top marginal rate (4.40%) applies to the last dollar earned above the top bracket floor. Your effective rate — total state tax divided by taxable income — will be lower for most filers.
Related Calculations for Mississippi
- Mississippi's paycheck rules — withholding is computed inside the paycheck calc.
How Gulfport Compares to the National Average
Understanding how Gulfport stacks up helps you calibrate your financial planning.
| Metric | Gulfport, MS | US Average | Difference |
|---|---|---|---|
| Median Home Price | $219,771 | $420,800 | -47.8% |
| Median Monthly Rent | $1,406 | $1,713 | -17.9% |
| Median Household Income | $61,266 | $74,580 | -17.9% |
| Property Tax Rate | 0.90% | 1.10% | -18.2% |
| Cost of Living Index | 84 | 100 | -16.0% |
Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.
Gulfport Financial Snapshot
- Population (Metro)
- 415,000
- Unemployment
- 4.7%
- Avg Commute
- 24 min
- Median Age
- 35.2
- Price-to-Rent Ratio
- 13.0x
- Annual Property Tax
- $1,978
More Financial Calculators for Gulfport, MS
Payroll Withholding Calculator in Other Mississippi Cities
Frequently Asked Questions — Gulfport
- Can median-income households afford the median home in Gulfport?
- With a ~$1,581 monthly PITI and $61,266 median income, housing would consume ~31.0% of gross annual income. Qualifying under the 28% DTI rule requires ~$67,757 in annual income. Educational reference only.
- Is it better to rent or buy in Gulfport?
- Gulfport's price-to-rent ratio (13.0x) tilts toward buying — below 15x, homes are economical relative to renting.
- What is the annual property tax bill on the median home in Gulfport?
- Approximately $1,978/yr at the 0.90% effective rate on the $219,771 median home. The national average effective rate is 1.07%.
- What share of median income goes to rent in Gulfport?
- The $1,406/mo median rent represents 27.5% of the $61,266 median household income. The recommended housing cost threshold is 30%; Gulfport falls within that guideline. Educational reference only.
- How much does commuting cost in Gulfport?
- Average commute time in Gulfport is 24 minutes per ACS. Estimated annual commute cost runs about $4,181. Educational reference only.
- How does the cost of living in Gulfport compare to the national average?
- Gulfport's BEA RPP index is 84, 16% below the national baseline of 100. For a household earning the national median income of $77,540, this translates to ~$12,406/yr in purchasing power difference. Educational reference only.
- What is the median home price in Gulfport, MS?
- The median home price in Gulfport is $219,771 as of 2025–2026.
- What is the average rent in Gulfport?
- The median monthly rent in Gulfport, MS is $1,406.
- Does the payroll withholding replace professional advice?
- No. This calculator gives educational estimates using public Gulfport data and standard formulas. It is not personalized tax, legal, or investment advice. Consult a licensed professional for decisions with material consequences.
How we compute this — methodology
The Gulfport page uses local median home price ($219,771), median rent ($1,406/mo), and property tax rate (0.90%) alongside the calculator's client-side formula. Calculations run in your browser — no inputs are sent to a server.
Known limits: ZIP-level variance within Gulfport can be substantial — the figures shown are city-wide medians. For a precise property tax quote, consult your county assessor.
Sources
- Zillow Research — ZHVI (Zillow Home Value Index) + ZORI (Zillow Observed Rent Index), city-level. zillow.com/research/data. Retrieved 2026-04-19.
- U.S. Census Bureau — American Community Survey (ACS) 5-year estimates for median household income and population. census.gov/programs-surveys/acs.
- CalcFi state financial context — tips + first-time homebuyer programs compiled from each state's Housing Finance Authority (HFA) public pages. See
src/data/state-financial-context.ts. - Tax Foundation — state property tax effective rates and state/local sales tax rates. taxfoundation.org.
- Freddie Mac Primary Mortgage Market Survey (PMMS) — weekly national mortgage rate averages used by mortgage-related calculators. freddiemac.com/pmms.
- Internal Revenue Service — federal individual income tax brackets and standard deductions — www.irs.gov/forms-pubs/about-publication-17. Retrieved 2026-04-19.
- State Departments of Revenue — official bracket + deduction publications (one primary URL per state; linked in the brackets table below) — taxfoundation.org/data/all/state/state-income-tax-rates. Retrieved 2026-04-19.
- Social Security Administration — OASDI / Medicare benefit + contribution rules — www.ssa.gov. Retrieved 2026-04-19.
- BLS Occupational Employment and Wage Statistics (OEWS) — state-level occupational wages — www.bls.gov/oes. Retrieved 2026-04-19.
- Freddie Mac Primary Mortgage Market Survey (PMMS) — weekly national mortgage rates — www.freddiemac.com/pmms. Retrieved 2026-04-19.
- NAIC Dwelling Fire, Homeowners Owners, and Homeowners Tenants Insurance Report — content.naic.org/article/homeowners-insurance-report. Retrieved 2026-04-19.
- Bureau of Economic Analysis — Regional Price Parities by State — www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area. Retrieved 2026-04-19.
- U.S. Department of Labor — State Minimum Wage Laws — www.dol.gov/agencies/whd/minimum-wage/state. Retrieved 2026-04-19.
- FRED (Federal Reserve Economic Data) — real median household income, unemployment, HPI, LFPR per state — fred.stlouisfed.org. Retrieved 2026-04-19.
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