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Belmont town, MS

ZIP 38827 — 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 38827

Median Home Value
$147,600
Median Rent
$556
Affordability Snapshot
$41,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$948/mo PITI).

13%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.1 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 38827 in Belmont town, MS, a household would need roughly $41,000 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 $948. That sits below the local median household income ($49,531), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
66.9%+2% vs US avg
x
Vacancy Rate
11.0%+7% vs US avg
x
Broadband Access
68.3%-22% vs US avg
x
4+ Bedrooms
6.5%-56% vs US avg
x
Built Pre-1939
0.2%-99% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
37.1%-25% vs US avg
x
Mortgage-Free
51.7%+35% vs US avg
x
$147,600
Home Value
$556
Rent
1973
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 detached78.8%
  • 1-unit attached0.0%
  • 2-9 units15.2%
  • 10+ units1.2%
  • Mobile home & other4.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$147,600
Median rent$556
Owner-occupied66.9%
Vacant11.0%
Price-to-income3.0x
Est. income to buy$41,000