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Tupelo city, MS

ZIP 38826 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 38826

Median Home Value
$205,100
Median Rent
$843
Affordability Snapshot
$56,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,318/mo PITI).

13%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.3 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 38826 in Tupelo city, MS, a household would need roughly $56,000 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 $1,318. That sits below the local median household income ($76,946), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
71.0%+8% vs US avg
x
Vacancy Rate
9.5%-8% vs US avg
x
Broadband Access
78.8%-9% vs US avg
x
4+ Bedrooms
2.3%-85% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
2.4%-66% vs US avg
x
Rent Burden >30%
7.0%-86% vs US avg
x
Mortgage-Free
42.0%+10% vs US avg
x
$205,100
Home Value
$843
Rent
1992
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached69.5%
  • 1-unit attached1.5%
  • 2-9 units6.3%
  • 10+ units12.2%
  • Mobile home & other10.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$205,100
Median rent$843
Owner-occupied71.0%
Vacant9.5%
Price-to-income2.7x
Est. income to buy$56,000