39563 — Jackson County, Mississippi Market Snapshot
Housing market data for zip code 39563 in Jackson County, Mississippi. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$144,450
Days to Sell
51
Homes Sold
26
Inventory
28
Sale-to-List
93.5%
New Listings
34
Price/SqFt
$84
Pending Sales
30
Conforming Loan Available
Most homebuyers in 39563 can comfortably use conventional financing. The median home price of $144,450 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
39563's market is balanced with homes taking an average of 51 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 39563 sells for 6.5% below asking price (93.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 39563 can comfortably use conventional financing. The median home price of $144,450 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 39563 are set at the county level.
2026 Loan Limits — Jackson 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 39563
To purchase the median home at $144,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,257.
Monthly Payment
$1,257
Income Required
$53,860
Principal & Interest
$890/mo
Down Payment (5%)
$7,223
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 39563.
Estimated Monthly Payment
$1,044
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