39574 — Harrison County, Mississippi Market Snapshot
Housing market data for zip code 39574 in Harrison County, Mississippi. Updated monthly with median prices, days on market, and more.
Market Sales Data
25 sales in 2026 (year to date)
Median Sale Price
$249,000
Days to Sell
28
Homes Sold
25
Inventory
38
Sale-to-List
97.0%
New Listings
37
Price/SqFt
$164
Pending Sales
23
Conforming Loan Available
Most homebuyers in 39574 can comfortably use conventional financing. The median home price of $249,000 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 39574 are moving quickly at 28 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 39574 sells for 3.0% below asking price (97.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 39574 can comfortably use conventional financing. The median home price of $249,000 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 39574 are set at the county level.
2026 Loan Limits — Harrison 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 39574
To purchase the median home at $249,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,058.
Monthly Payment
$2,058
Income Required
$88,190
Principal & Interest
$1,534/mo
Down Payment (5%)
$12,450
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 39574.
Estimated Monthly Payment
$1,691
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