39206 — Hinds County, Mississippi Market Snapshot
Housing market data for zip code 39206 in Hinds County, Mississippi. Updated monthly with median prices, days on market, and more.
Market Sales Data
34 sales in 2026 (year to date)
Median Sale Price
$124,793
Days to Sell
34
Homes Sold
34
Inventory
62
Sale-to-List
91.9%
New Listings
74
Price/SqFt
$76
Pending Sales
48
Conforming Loan Available
Most homebuyers in 39206 can comfortably use conventional financing. The median home price of $124,793 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
39206's market is balanced with homes taking an average of 34 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 39206 sells for 8.1% below asking price (91.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 39206 can comfortably use conventional financing. The median home price of $124,793 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 39206 are set at the county level.
2026 Loan Limits — Hinds 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 39206
To purchase the median home at $124,793 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,106.
Monthly Payment
$1,106
Income Required
$47,405
Principal & Interest
$769/mo
Down Payment (5%)
$6,240
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 39206.
Estimated Monthly Payment
$922
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 39206. Tell us what you're looking for.