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Bruce town, MS

ZIP 38915 — 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 38915

Median Home Value
$86,600
Median Rent
$454
Affordability Snapshot
$24,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$556/mo PITI).

13%
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.

15.9 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 38915 in Bruce town, MS, a household would need roughly $24,000 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 $556. That sits below the local median household income ($42,500), 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
67.7%+3% vs US avg
x
Vacancy Rate
15.8%+53% vs US avg
x
Broadband Access
75.6%-13% vs US avg
x
4+ Bedrooms
2.0%-86% vs US avg
x
Built Pre-1939
7.9%-38% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
10.8%-78% vs US avg
x
Mortgage-Free
68.0%+78% vs US avg
x
$86,600
Home Value
$454
Rent
1977
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached78.2%
  • 1-unit attached3.1%
  • 2-9 units10.5%
  • 10+ units0.8%
  • Mobile home & other7.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$86,600
Median rent$454
Owner-occupied67.7%
Vacant15.8%
Price-to-income2.0x
Est. income to buy$24,000