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Ripley city, MS

ZIP 38663 — 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 38663

Median Home Value
$137,600
Median Rent
$470
Affordability Snapshot
$38,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$884/mo PITI).

11%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

24.4 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 38663 in Ripley city, MS, a household would need roughly $38,000 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 $884. That sits below the local median household income ($52,298), 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 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.4%+20% vs US avg
x
Vacancy Rate
21.3%+107% vs US avg
x
Broadband Access
84.5%-3% vs US avg
x
4+ Bedrooms
3.0%-80% vs US avg
x
Built Pre-1939
1.4%-89% vs US avg
x
Built Post-2014
1.4%-80% vs US avg
x
Rent Burden >30%
11.7%-76% vs US avg
x
Mortgage-Free
47.8%+25% vs US avg
x
$137,600
Home Value
$470
Rent
1986
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached79.3%
  • 1-unit attached0.0%
  • 2-9 units3.7%
  • 10+ units3.0%
  • Mobile home & other14.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$137,600
Median rent$470
Owner-occupied78.4%
Vacant21.3%
Price-to-income2.6x
Est. income to buy$38,000