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Centreville town, MS

ZIP 39631 — 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 39631

Median Home Value
$58,200
Median Rent
$383
Affordability Snapshot
$16,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$374/mo PITI).

12%
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.

12.7 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 39631 in Centreville town, MS, a household would need roughly $16,000 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 $374. That sits below the local median household income ($39,125), 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 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
75.3%+15% vs US avg
x
Vacancy Rate
19.7%+91% vs US avg
x
Broadband Access
72.6%-17% vs US avg
x
4+ Bedrooms
10.1%-32% vs US avg
x
Built Pre-1939
4.0%-69% vs US avg
x
Built Post-2014
1.7%-76% vs US avg
x
Rent Burden >30%
22.7%-54% vs US avg
x
Mortgage-Free
66.3%+74% vs US avg
x
$58,200
Home Value
$383
Rent
1980
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached61.0%
  • 1-unit attached0.0%
  • 2-9 units6.8%
  • 10+ units0.9%
  • Mobile home & other31.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$58,200
Median rent$383
Owner-occupied75.3%
Vacant19.7%
Price-to-income1.5x
Est. income to buy$16,000