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McCool town, MS

ZIP 39108 — 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 39108

Median Home Value
$71,900
Median Rent
$442
Affordability Snapshot
$20,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$462/mo PITI).

11%
Rent-to-Income Ratio

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

1.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.6 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 39108 in McCool town, MS, a household would need roughly $20,000 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 $462. That sits below the local median household income ($49,375), 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 34% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
86.4%+32% vs US avg
x
Vacancy Rate
33.6%+226% vs US avg
x
Broadband Access
66.5%-24% vs US avg
x
4+ Bedrooms
3.6%-75% vs US avg
x
Built Pre-1939
0.2%-99% vs US avg
x
Built Post-2014
3.0%-57% vs US avg
x
Rent Burden >30%
32.7%-34% vs US avg
x
Mortgage-Free
65.7%+72% vs US avg
x
$71,900
Home Value
$442
Rent
1988
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached67.6%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other32.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$71,900
Median rent$442
Owner-occupied86.4%
Vacant33.6%
Price-to-income1.5x
Est. income to buy$20,000