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Smithville town, MS

ZIP 38870 — 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 38870

Median Home Value
$120,800
Median Rent
$546
Affordability Snapshot
$33,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$776/mo PITI).

11%
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.

18.4 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 38870 in Smithville town, 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 $776. That sits below the local median household income ($61,875), 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 26% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
89.5%+37% vs US avg
x
Vacancy Rate
26.2%+154% vs US avg
x
Broadband Access
85.0%-2% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
7.9%-38% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
54.5%+43% vs US avg
x
$120,800
Home Value
$546
Rent
1969
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached84.8%
  • 1-unit attached0.5%
  • 2-9 units8.3%
  • 10+ units0.6%
  • Mobile home & other5.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$120,800
Median rent$546
Owner-occupied89.5%
Vacant26.2%
Price-to-income2.0x
Est. income to buy$33,000