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Blue Mountain town, MS

ZIP 38610 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 38610

Median Home Value
$98,800
Median Rent
$516
Affordability Snapshot
$27,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$635/mo PITI).

14%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.0 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 38610 in Blue Mountain town, MS, a household would need roughly $27,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $635. That sits below the local median household income ($43,854), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.4%+17% vs US avg
x
Vacancy Rate
23.5%+128% vs US avg
x
Broadband Access
67.3%-23% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
3.3%-74% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
29.6%-40% vs US avg
x
Mortgage-Free
64.5%+69% vs US avg
x
$98,800
Home Value
$516
Rent
1984
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached72.8%
  • 1-unit attached0.0%
  • 2-9 units3.7%
  • 10+ units0.3%
  • Mobile home & other23.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$98,800
Median rent$516
Owner-occupied76.4%
Vacant23.5%
Price-to-income2.3x
Est. income to buy$27,000