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Monticello town, MS

ZIP 39654 — 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 39654

Median Home Value
$108,800
Median Rent
$545
Affordability Snapshot
$30,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$699/mo PITI).

16%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.6 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 39654 in Monticello town, MS, a household would need roughly $30,000 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 $699. That sits below the local median household income ($41,053), 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 31% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.4%+17% vs US avg
x
Vacancy Rate
30.9%+200% vs US avg
x
Broadband Access
71.0%-18% vs US avg
x
4+ Bedrooms
1.4%-90% vs US avg
x
Built Pre-1939
2.5%-80% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
19.7%-60% vs US avg
x
Mortgage-Free
59.8%+56% vs US avg
x
$108,800
Home Value
$545
Rent
1979
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached71.4%
  • 1-unit attached2.5%
  • 2-9 units7.1%
  • 10+ units0.4%
  • Mobile home & other18.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$108,800
Median rent$545
Owner-occupied76.4%
Vacant30.9%
Price-to-income2.7x
Est. income to buy$30,000