38614 — Bolivar County, Mississippi Market Snapshot
Housing market data for zip code 38614 in Bolivar County, Mississippi. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$68,000
Days to Sell
24
Homes Sold
17
Inventory
23
Sale-to-List
90.3%
New Listings
29
Price/SqFt
$46
Pending Sales
22
Conforming Loan Available
Most homebuyers in 38614 can comfortably use conventional financing. The median home price of $68,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 38614 are moving quickly at 24 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 38614 sells for 9.7% below asking price (90.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 38614 can comfortably use conventional financing. The median home price of $68,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 38614 are set at the county level.
2026 Loan Limits — Bolivar County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 38614
To purchase the median home at $68,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $671.
Monthly Payment
$671
Income Required
$28,757
Principal & Interest
$419/mo
Down Payment (5%)
$3,400
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 38614.
Estimated Monthly Payment
$571
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