39520 — Hancock County, Mississippi Market Snapshot
Housing market data for zip code 39520 in Hancock County, Mississippi. Updated monthly with median prices, days on market, and more.
Market Sales Data
79 sales in 2026 (year to date)
Median Sale Price
$285,000
Days to Sell
88
Homes Sold
79
Inventory
133
Sale-to-List
95.2%
New Listings
111
Price/SqFt
$204
Pending Sales
104
Conforming Loan Available
Most homebuyers in 39520 can comfortably use conventional financing. The median home price of $285,000 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
With homes sitting for 88 days on average, 39520 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 39520 sells for 4.8% below asking price (95.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 39520 can comfortably use conventional financing. The median home price of $285,000 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 39520 are set at the county level.
2026 Loan Limits — Hancock 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 39520
To purchase the median home at $285,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,334.
Monthly Payment
$2,334
Income Required
$100,011
Principal & Interest
$1,756/mo
Down Payment (5%)
$14,250
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 39520.
Estimated Monthly Payment
$1,914
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