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113 Saint Paul St, Carthage, MS, 39051

3beds
1baths
1,120sqft
$115,000
$103price/sqft
$936/moest. monthly cost
$37,440/yrincome needed

About This Home

Looking for an affordable starter home? Well, have I got a deal for you. Is this a perfectly manicured home that needs zero improvements? No, it is not — but it is not priced that way either. If you are looking for a good home in a safe area that you can make your own over time without breaking the bank, this is your opportunity. The home is move-in ready, but it is not decked out with high-end finishes, which makes it a great option for buyers looking for a lower entry point who do not mind making a few improvements along the way, such as painting or possibly replacing some carpet. Have your agent reach out and schedule a showing asap.

Getting Around

47
WalkingCar-Dependent
0
TransitVery Limited Transit
42
BikeSomewhat Bikeable

Schools

3/10
5/10
Leake Central High SchoolGrades 9-120.4 mi

Construction

Condition

  • Property condition: Move In Ready
  • Year built: 1940

Materials

  • Foundation: Conventional
  • Roof: Metal
  • Construction materials: Vinyl

Type & Style

  • Home type: SingleFamily
  • Property subType: Residential,Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater,Free-Standing Electric Range,Free-Standing Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Vinyl,Carpet

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,120
  • Total interior livable area: 1,120 sqft

Property

Details

  • Parcel number: 09101df02

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Enclosed,Patio,Porch,Rear Porch,Screened
  • Exterior features: None
  • Fencing: Partial

Lot

  • Lot size: 9,583 sqft
  • Features: City Lot

Parking

  • Total spaces: 4
  • Parking features: Driveway,On Site,Open,Paved,Concrete
  • Covered spaces: 4
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 4

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Tornado
Cold Wave
Hail
Heat Wave
Inland Flooding
Ice Storm
Winter Weather
Drought

FEMA Declared Disasters in Leake County and Mississippi

Severe Storm
Straight Line Winds
Tornado
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $581$6,972
Home Insurance *$108$1,296
Property Taxes $55$660
Electricity $192$2,304
Total$936$11,232
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$32,091/yr
40% on housing$28,080/yr
45% on housing$24,960/yr

Mississippi FAIR Plan Programs

Mississippi Windstorm Underwriting Association

Covered
HailHail
WindWind
Visit Website →

Mississippi Residential Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 2,237Commercial: -4
Total Premiums$1.77M
Total Exposure$137.66M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.7%
7.7%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: -2.6%
-2.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$103This listing

vs Other Active Listings

Avg $/sqft

ZIP 39051$100
Leake County$110

vs Homes Sold Last Month

Median $/sqft

ZIP 39051
Leake County$128

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-06-29Listed for sale$115,000
2026-06-22Pending sale$115,000
2026-06-19Listed for sale$115,000
2026-05-20Pending sale$115,000
2026-05-15Listed for sale$115,000
2026-05-04Pending sale$115,000
2026-04-27Listed for sale$115,000

For Sale by Agent

AgentShawn Hoffman
BrokerageBritt Barnes Realty Group

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