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Lumberton city, MS

ZIP 39455 — 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 39455

Median Home Value
$102,700
Median Rent
$560
Affordability Snapshot
$28,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$660/mo PITI).

12%
Rent-to-Income Ratio

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

1.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.3 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 39455 in Lumberton city, MS, a household would need roughly $28,000 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 $660. That sits below the local median household income ($56,232), 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 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
86.0%+32% vs US avg
x
Vacancy Rate
22.9%+122% vs US avg
x
Broadband Access
85.4%-2% vs US avg
x
4+ Bedrooms
2.0%-86% vs US avg
x
Built Pre-1939
1.3%-90% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
21.0%-58% vs US avg
x
Mortgage-Free
51.9%+36% vs US avg
x
$102,700
Home Value
$560
Rent
1993
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached61.6%
  • 1-unit attached0.0%
  • 2-9 units1.7%
  • 10+ units1.1%
  • Mobile home & other35.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$102,700
Median rent$560
Owner-occupied86.0%
Vacant22.9%
Price-to-income1.8x
Est. income to buy$28,000