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Pontotoc city, MS

ZIP 38863 — 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 38863

Median Home Value
$138,900
Median Rent
$611
Affordability Snapshot
$38,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$892/mo PITI).

14%
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.

18.9 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 38863 in Pontotoc 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 $892. That sits below the local median household income ($51,113), 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 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
67.6%+3% vs US avg
x
Vacancy Rate
16.0%+55% vs US avg
x
Broadband Access
74.6%-14% vs US avg
x
4+ Bedrooms
3.1%-79% vs US avg
x
Built Pre-1939
0.9%-93% vs US avg
x
Built Post-2014
0.5%-92% vs US avg
x
Rent Burden >30%
13.7%-72% vs US avg
x
Mortgage-Free
54.6%+43% vs US avg
x
$138,900
Home Value
$611
Rent
1983
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 detached69.4%
  • 1-unit attached0.7%
  • 2-9 units6.0%
  • 10+ units0.8%
  • Mobile home & other23.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$138,900
Median rent$611
Owner-occupied67.6%
Vacant16.0%
Price-to-income2.7x
Est. income to buy$38,000