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Teacher Salary Calculator for Jackson, MS

Local data pre-filled

Written by Jere Salmisto·Reviewed by CalcFi Editorial·Methodology
TL;DR

Housing: $210,759 median home, $1,440/mo/mo median rent, PITI ~$1,508/mo (7% down, 6.30% PMMS). Income: $60,489 median household; rent burden 28.6% (within 30% guideline). Taxes: 0.82% effective property tax rate → ~$1,728 annual bill. Cost of living: BEA RPP index 79 (national baseline = 100); estimated annual commute cost ~$3,832. Context: unemployment 6.2%; job market led by Mississippi state industries.

Source: Zillow ZHVI/ZORI · Census ACS · Tax Foundation, 2025–2026

📍 Customized for Jackson, Mississippi

Teacher salaries in Jackson, MS are influenced by the local cost of living (index: 79). A cost-adjusted starting salary is roughly $47,400. Compare Jackson teacher pay to the national average and see your purchasing power.

Median Home
$211k
Median Rent
$1,440/mo
Median Income
$60k/yr
Property Tax
0.82%
Cost of Living
79 / 100 avg

✓ Calculator below is pre-filled with Jackson local data

Data as of Apr 2026 · Sources: Zillow, Census ACS, Tax Foundation, Freddie Mac

★Reality Score— See how your Jackson numbers actually stack up in 60 seconds.See my full picture →
3-minute readout across rent, debt, and savings — not a credit pull.

Mississippi Financial Snapshot (2026) — Teacher Salary Calculator

Minimum wage, median HH income, and COL adjust take-home for the teacher salary calculator in Mississippi.

MetricMississippiSource
Median home value (ZHVI)$182,000[1][1]
Minimum wage—[2][2]
Median household income$60,489/yr[3][3]
Top marginal income tax rate4.40%[4][4]
Cost-of-living index (BEA RPP)86.8 (US = 100)[5][5]
Standard deduction (single)$2,300[6][6]

How the Teacher Salary Calculator Math Works Under Mississippi Law

A Mississippi salary calculation starts with the BLS Occupational Employment and Wage Statistics (OEWS) table for your occupation at the state level, then layers on Mississippi's payroll stack: federal income tax (brackets published by IRS), FICA (7.65%), and state income tax at a top marginal 4.40%[1][2].

The formula: take_home = gross − federal_tax − state_tax − FICA − other. "Other" covers 401(k) deferral, HSA, FSA, pre-tax benefits. The calculator below runs this client-side — no inputs leave your browser.

Local context: Jackson, MS

Housing economics in Jackson, MS. The median home value runs 41.1% below the U.S. baseline for Jackson, MS is $210,759 per Zillow's home-value index. Median rent runs $1,440 a month per Zillow ZORI, cheaper than the national $1,850 baseline. Effective property tax sits at 0.82% 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 Jackson, MS at 79.0 (national = 100), meaning a dollar in Jackson, MS buys 127¢ — more goods and services than the same dollar nationally.

Local context as of 2026-04-19.

Jackson versus the U.S. baseline

MetricJackson, MSU.S. baselineDifference
Median home value[zillow]$210,759$358,000-41.1%
Median monthly rent[zillow]$1,440$1,850-22.2%
Property tax (effective)[tax-foundation]0.82%0.99%-17.2%
State top marginal income tax[tax-foundation]5.00%~4.08% (volume-weighted)0.9 pp
State cost-of-living index[bea-rpp]79.0100.0-21.0 pts

How to use the Teacher Salary Calculator

Walk through using the Teacher Salary Calculator with Jackson, MS-specific defaults pre-loaded from primary sources.

  1. Enter your Jackson numbersFill in the teacher salary inputs. Defaults reflect Jackson, MS 2026: median home $210,759, median rent $1,440/mo, 0.82% effective property tax.
  2. Apply the local 2026 inputsThe median home value in Jackson is $210,759 (Zillow ZHVI), with median monthly rent running $1,440/mo.
  3. Compare against Jackson contextMonthly PITI on the $210,759 median home in Jackson is ~$1,508/mo — vs a $1,440/mo median rent.

How Mississippi Compares to Neighboring States

StateMedian homeTop inc taxProp tax rateRPP (US=100)
Mississippi (this page)$182,0004.40%0.79%86.8
see Alabama$223,0005.00%0.41%89.1
Arkansas equivalent$198,0003.90%0.64%86.8
check Louisiana$215,0003.00%0.55%88.7
Tennessee$325,000None0.71%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

  • Mississippi cost-of-living drag:Line-item costs in Mississippi deviate from the US mean by whatever the BEA all-items RPP deviates from 100. Weight your budget toward the state average rather than the national average.

Related Calculations for Mississippi

  • nurse salary by Mississippi — both are BLS-OEWS-anchored salary tools.

How Jackson Compares to the National Average

Understanding how Jackson stacks up helps you calibrate your financial planning.

MetricJackson, MSUS AverageDifference
Median Home Price$210,759$420,800-49.9%
Median Monthly Rent$1,440$1,713-15.9%
Median Household Income$60,489$74,580-18.9%
Property Tax Rate0.82%1.10%-25.5%
Cost of Living Index79100-21.0%

Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.

Jackson Financial Snapshot

Population (Metro)
580,000
Unemployment
6.2%
Avg Commute
22 min
Median Age
33.2
Price-to-Rent Ratio
12.2x
Annual Property Tax
$1,728
← Teacher Salary Calculator (all states)← Teacher Salary Calculator for Mississippi

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Teacher Salary Calculator in Other Mississippi Cities

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Frequently Asked Questions — Jackson

What's the Jackson-adjusted p50 wage?
The state p50 $48,090 scaled by Jackson's 79 cost-of-living index equals $37,991.
Can median-income households afford the median home in Jackson?
With a ~$1,508 monthly PITI and $60,489 median income, housing would consume ~29.9% of gross annual income. Qualifying under the 28% DTI rule requires ~$64,629 in annual income. Educational reference only.
Is it better to rent or buy in Jackson?
Jackson's price-to-rent ratio (12.2x) tilts toward buying — below 15x, homes are economical relative to renting.
What is the median home price in Jackson, MS?
The median home price in Jackson is $210,759 as of 2025–2026.
What is the average rent in Jackson?
The median monthly rent in Jackson, MS is $1,440.
Does the teacher salary replace professional advice?
No. This calculator gives educational estimates using public Jackson 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 Jackson page uses local median home price ($210,759), median rent ($1,440/mo), and property tax rate (0.82%) 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 Jackson can be substantial — the figures shown are city-wide medians. For a precise property tax quote, consult your county assessor.

Sources

  1. Zillow Research — ZHVI (Zillow Home Value Index) + ZORI (Zillow Observed Rent Index), city-level. zillow.com/research/data. Retrieved 2026-04-19.
  2. U.S. Census Bureau — American Community Survey (ACS) 5-year estimates for median household income and population. census.gov/programs-surveys/acs.
  3. 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.
  4. Tax Foundation — state property tax effective rates and state/local sales tax rates. taxfoundation.org.
  5. Freddie Mac Primary Mortgage Market Survey (PMMS) — weekly national mortgage rate averages used by mortgage-related calculators. freddiemac.com/pmms.
  6. BLS Occupational Employment and Wage Statistics (OEWS) — state-level occupational wages — www.bls.gov/oes. Retrieved 2026-04-19.
  7. U.S. Department of Labor — State Minimum Wage Laws — www.dol.gov/agencies/whd/minimum-wage/state. Retrieved 2026-04-19.
  8. Internal Revenue Service — federal individual income tax brackets and standard deductions — www.irs.gov/forms-pubs/about-publication-17. Retrieved 2026-04-19.
  9. 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.
  10. Freddie Mac Primary Mortgage Market Survey (PMMS) — weekly national mortgage rates — www.freddiemac.com/pmms. Retrieved 2026-04-19.
  11. NAIC Dwelling Fire, Homeowners Owners, and Homeowners Tenants Insurance Report — content.naic.org/article/homeowners-insurance-report. Retrieved 2026-04-19.
  12. 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.
  13. FRED (Federal Reserve Economic Data) — real median household income, unemployment, HPI, LFPR per state — fred.stlouisfed.org. Retrieved 2026-04-19.

Spot an error? Email [email protected] with the URL and the correct figure.

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Assumptions· 2026

  • ·Gross-to-net using 2026 federal brackets + standard deduction for entered filing status
  • ·FICA applied (most public teachers pay SS + Medicare; some state pension systems exempt SS — check your state)
  • ·Teacher Loan Forgiveness: $17,500 max for math/science/special-ed; $5,000 other subjects (5-year qualifying service)
  • ·Per-paycheck take-home at entered pay frequency (10-month vs. 12-month disbursement noted)
When this is wrong
  • ·State pension (TRS/PERS) contribution: typically 6–14% of salary deducted pre-tax — materially reduces take-home
  • ·State income tax not included — teachers in high-tax states (CA, NY) face significantly lower net pay
  • ·PSLF eligibility for public school teachers: 120 qualifying IDR payments on federal Direct Loans
  • ·Educator expense deduction: $300 above-the-line deduction (2026) for K–12 out-of-pocket classroom expenses
Assumptions· 2026▾
  • ·Gross-to-net using 2026 federal brackets + standard deduction for entered filing status
  • ·FICA applied (most public teachers pay SS + Medicare; some state pension systems exempt SS — check your state)
  • ·Teacher Loan Forgiveness: $17,500 max for math/science/special-ed; $5,000 other subjects (5-year qualifying service)
  • ·Per-paycheck take-home at entered pay frequency (10-month vs. 12-month disbursement noted)
When this is wrong
  • ·State pension (TRS/PERS) contribution: typically 6–14% of salary deducted pre-tax — materially reduces take-home
  • ·State income tax not included — teachers in high-tax states (CA, NY) face significantly lower net pay
  • ·PSLF eligibility for public school teachers: 120 qualifying IDR payments on federal Direct Loans
  • ·Educator expense deduction: $300 above-the-line deduction (2026) for K–12 out-of-pocket classroom expenses

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Your Results

Based on your inputs

Demo numbers · replace inputs to see yours
Estimated Annual Salary
$88,130positive

California • K-5 Elementary • 5 yrs • Bachelor's (BA/BS)

Gross Annual Salary$88,130
Federal Income Tax-$11,230
State Income Tax-$5,288
FICA (Social Security + Medicare)-$6,742
Annual Take-Home Pay$64,870
Monthly Take-Home Pay$5,406
vs California Median+$0
vs National Median+$19,130
Tip:Teacher salaries vary significantly by district within each state. Check your specific district's salary schedule for exact figures. Benefits like pension contributions, health insurance, and summer break add significant value beyond base salary.

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Published byJere Salmisto· Founder, CalcFiReviewed byCalcFi EditorialEditorial standardsMethodologyLast verified April 21, 2026

Primary sources & authoritative references

Every formula on this page traces to a federal agency, central bank, or peer-reviewed institution. We cite the rule-makers, not secondhand blogs.

  • BLS OEWS — Elementary school teacher wages — U.S. Bureau of Labor StatisticsNational and state teacher wage data by occupation code. (opens in new tab)
  • NCES Digest of Education Statistics — Average teacher salaries — National Center for Education StatisticsState-by-state public school teacher salary averages. (opens in new tab)
  • U.S. Department of Education — ESEA Title I funding context — U.S. Department of Education (opens in new tab)

Found an error in a formula or source? Report it →

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