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Houston city, MS

ZIP 38851 — 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 38851

Median Home Value
$119,300
Median Rent
$478
Affordability Snapshot
$33,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$766/mo PITI).

13%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.8 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 38851 in Houston city, MS, a household would need roughly $33,000 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 $766. That sits below the local median household income ($42,508), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
70.8%+8% vs US avg
x
Vacancy Rate
13.8%+34% vs US avg
x
Broadband Access
73.2%-16% vs US avg
x
4+ Bedrooms
4.3%-71% vs US avg
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
0.7%-91% vs US avg
x
Rent Burden >30%
28.7%-42% vs US avg
x
Mortgage-Free
60.0%+57% vs US avg
x
$119,300
Home Value
$478
Rent
1980
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached72.4%
  • 1-unit attached0.3%
  • 2-9 units8.2%
  • 10+ units0.3%
  • Mobile home & other18.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$119,300
Median rent$478
Owner-occupied70.8%
Vacant13.8%
Price-to-income2.8x
Est. income to buy$33,000