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Guntown town, MS

ZIP 38849 — 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 38849

Median Home Value
$147,000
Median Rent
$722
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$944/mo PITI).

12%
Rent-to-Income Ratio

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

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.0 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 38849 in Guntown town, MS, a household would need roughly $40,000 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 $944. That sits below the local median household income ($72,018), 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
81.6%+25% vs US avg
x
Vacancy Rate
10.9%+6% vs US avg
x
Broadband Access
84.3%-3% vs US avg
x
4+ Bedrooms
4.7%-68% vs US avg
x
Built Pre-1939
1.6%-88% vs US avg
x
Built Post-2014
3.4%-50% vs US avg
x
Rent Burden >30%
10.6%-79% vs US avg
x
Mortgage-Free
44.6%+17% vs US avg
x
$147,000
Home Value
$722
Rent
1997
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached67.1%
  • 1-unit attached0.0%
  • 2-9 units4.9%
  • 10+ units0.0%
  • Mobile home & other27.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$147,000
Median rent$722
Owner-occupied81.6%
Vacant10.9%
Price-to-income2.0x
Est. income to buy$40,000