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Osyka town, MS

ZIP 39657 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 39657

Median Home Value
$84,100
Median Rent
$709
Affordability Snapshot
$23,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$540/mo PITI).

43%
Rent-to-Income Ratio

Above the 30% affordability threshold — housing cost-burdened area.

4.3x
Home Price-to-Income Ratio

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

9.9 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 39657 in Osyka town, MS, a household would need roughly $23,000 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 $540. That is about 16% above the local median household income ($19,750), so the median earner would likely stretch or need a larger down payment. 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
75.2%+15% vs US avg
x
Vacancy Rate
33.9%+229% vs US avg
x
Broadband Access
67.3%-23% vs US avg
x
4+ Bedrooms
0.8%-95% vs US avg
x
Built Pre-1939
0.3%-98% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
41.5%-17% vs US avg
x
Mortgage-Free
73.9%+93% vs US avg
x
$84,100
Home Value
$709
Rent
1987
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 detached63.5%
  • 1-unit attached0.0%
  • 2-9 units2.0%
  • 10+ units0.7%
  • Mobile home & other33.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$84,100
Median rent$709
Owner-occupied75.2%
Vacant33.9%
Price-to-income4.3x
Est. income to buy$23,000