39565 — Jackson County, Mississippi Market Snapshot
Housing market data for zip code 39565 in Jackson 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
$296,750
Days to Sell
44
Homes Sold
34
Inventory
52
Sale-to-List
96.3%
New Listings
87
Price/SqFt
$158
Pending Sales
66
Conforming Loan Available
Most homebuyers in 39565 can comfortably use conventional financing. The median home price of $296,750 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
39565's market is balanced with homes taking an average of 44 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 39565 sells for 3.7% below asking price (96.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 39565 can comfortably use conventional financing. The median home price of $296,750 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 39565 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 39565
To purchase the median home at $296,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,424.
Monthly Payment
$2,424
Income Required
$103,869
Principal & Interest
$1,828/mo
Down Payment (5%)
$14,838
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 39565.
Estimated Monthly Payment
$1,987
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 39565. Tell us what you're looking for.