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Silver Creek town, MS

ZIP 39663 — 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 39663

Median Home Value
$95,900
Median Rent
$490
Affordability Snapshot
$26,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$616/mo PITI).

15%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.3 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 39663 in Silver Creek town, MS, a household would need roughly $26,000 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 $616. That sits below the local median household income ($39,911), 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 26% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.8%+25% vs US avg
x
Vacancy Rate
25.6%+148% vs US avg
x
Broadband Access
64.2%-26% vs US avg
x
4+ Bedrooms
3.5%-77% vs US avg
x
Built Pre-1939
0.4%-97% vs US avg
x
Built Post-2014
1.0%-86% vs US avg
x
Rent Burden >30%
23.7%-52% vs US avg
x
Mortgage-Free
68.8%+80% vs US avg
x
$95,900
Home Value
$490
Rent
1991
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached48.8%
  • 1-unit attached0.6%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other50.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$95,900
Median rent$490
Owner-occupied81.8%
Vacant25.6%
Price-to-income2.4x
Est. income to buy$26,000