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Ridgeland city, MS

ZIP 39157 — 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 39157

Median Home Value
$259,900
Median Rent
$1,095
Affordability Snapshot
$72,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,670/mo PITI).

21%
Rent-to-Income Ratio

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

4.1x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

19.8 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 39157 in Ridgeland city, MS, a household would need roughly $72,000 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 $1,670. That is roughly in line with the local median household income ($63,552). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
47.9%-27% vs US avg
x
Vacancy Rate
9.1%-11% vs US avg
x
Broadband Access
93.3%+7% vs US avg
x
4+ Bedrooms
3.3%-78% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
0.0%-100% vs US avg
x
Rent Burden >30%
22.8%-54% vs US avg
x
Mortgage-Free
33.8%-11% vs US avg
x
$259,900
Home Value
$1,095
Rent
1990
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached51.2%
  • 1-unit attached1.8%
  • 2-9 units28.6%
  • 10+ units15.2%
  • Mobile home & other3.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$259,900
Median rent$1,095
Owner-occupied47.9%
Vacant9.1%
Price-to-income4.1x
Est. income to buy$72,000