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1109 Velma St, Hattiesburg, MS, 39402

4beds
2baths
1,740sqft
$245,000
$141price/sqft
$1,852/moest. monthly cost
$74,080/yrincome needed

About This Home

Renovated home with granite countertops, wood and luxury vinyl plank flooring, and SS appliances. Near Forrest General Hospital and USM. Very quiet street. HVAC system was replaced approximately 4 years ago. At that time the house was totally repainted on the inside, the master shower was installed new, much of the flooring was replaced or refinished, and the kitchen was updated. The 4th bedroom is really a formal living/dining combination, and it could be reverted to that use. Spacious family den with fireplace, extremely nice laundry room with much more than normal room. Large fenced backyard with patio. The outside of the house was repainted in July of 2026.

Getting Around

35
WalkingCar-Dependent
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

7/10
Thames Elementary SchoolGrades PK-50.6 mi
5/10
N R Burger Middle SchoolGrades 7-82.2 mi
5/10

Construction

Condition

  • Year built: 1960

Materials

  • Foundation: Raised
  • Roof: Composition
  • Construction materials: Brick Veneer,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Electric Oven

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Cooling

  • Cooling features: Electric,Central Air

Features

  • Granite Counters,Ceiling Fan(s),Fireplace
  • Flooring: Plank,Wood,Carpet
  • Number of fireplaces: 1
  • Fireplace: Yes

Interior Area

  • Total structure area: 1,740
  • Total interior livable area: 1,740 sqft

Property

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Front Porch,Patio
  • Exterior features: None
  • Fencing: Back Yard

Lot

  • Lot size: 0.33 Acres
  • Features: Subdivision
  • Lot size dimensions: 95 x 150

Parking

  • Parking features: None,Carport
  • Carport: Yes

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
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Tornado
Hail
Hurricane
Heat Wave
Inland Flooding
Winter Weather

FEMA Declared Disasters in Forrest 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 $1,238$14,856
Home Insurance *$280$3,360
Property Taxes $142$1,704
Electricity $192$2,304
Total$1,852$22,224
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$63,497/yr
40% on housing$55,560/yr
45% on housing$49,386/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: 5.8%
5.8%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: 2.8%
2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$141This listing

vs Other Active Listings

Avg $/sqft

ZIP 39402$181
Forrest County$106

vs Homes Sold Last Month

Median $/sqft

ZIP 39402
Forrest County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-17Contingent$239,500
2026-08-11Price change$239,500
2026-07-29Listed for sale$245,000

For Sale by Agent

AgentJAMES STROO
BrokerageRealty Executives The Executive Team

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