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201 S Church St, Charleston, MS, 38921

4beds
3baths
3,205sqft
$199,000
$62price/sqft
$2,038/moest. monthly cost
$81,520/yrincome needed

About This Home

Beautiful older home located at the southwest corner of Walnut and Church Streets in downtown Charleston, MS. Could be converted for office use. Lots of room for a big family or entertaining. Fenced backyard. Attached garage.

Getting Around

50
WalkingCar-Dependent
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

4/10
4/10
Charleston Middle SchoolGrades 5-80.9 mi
5/10
Charleston High SchoolGrades 9-120.7 mi

Construction

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Finished area above ground: 3,205

Interior Area

  • Total structure area: 3,205
  • Total interior livable area: 3,205 sqft

Property

Details

  • Lease amount: 0

Lot

  • Lot size: 0.30 Acres

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

  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Heat Wave
Lightning
Earthquake
Hail
Inland Flooding

FEMA Declared Disasters in Tallahatchie 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 $1,006$12,072
Home Insurance *$660$7,920
Property Taxes $74$888
Electricity $298$3,576
Total$2,038$24,456
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$69,874/yr
40% on housing$61,140/yr
45% on housing$54,346/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 4.2%
4.2%
0%15.0%
Property Taxes Growth Rate2-year average: -1.4%
-1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$62This listing

vs Other Active Listings

Avg $/sqft

ZIP 38921$133
Tallahatchie County$166

vs Homes Sold Last Month

Median $/sqft

ZIP 38921
Tallahatchie County$41

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
2026-07-31Listed for sale$199,000

For Sale by Agent

AgentCharlie Montgomery
BrokerageAmerica's Land Partners - Mississippi, Raymond

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