39571 — Hancock County, Mississippi Market Snapshot
Housing market data for zip code 39571 in Hancock County, Mississippi. Updated monthly with median prices, days on market, and more.
Market Sales Data
64 sales in 2026 (year to date)
Median Sale Price
$420,950
Days to Sell
66
Homes Sold
64
Inventory
94
Sale-to-List
97.5%
New Listings
87
Price/SqFt
$189
Pending Sales
70
Conforming Loan Available
Most homebuyers in 39571 can comfortably use conventional financing. The median home price of $420,950 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 66 days on average, 39571 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 39571 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 39571 can comfortably use conventional financing. The median home price of $420,950 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 39571 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 39571
To purchase the median home at $420,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,375.
Monthly Payment
$3,375
Income Required
$144,651
Principal & Interest
$2,594/mo
Down Payment (5%)
$21,048
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 39571.
Estimated Monthly Payment
$2,755
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 39571. Tell us what you're looking for.