39581 — Jackson County, Mississippi Market Snapshot
Housing market data for zip code 39581 in Jackson County, Mississippi. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$125,000
Days to Sell
44
Homes Sold
23
Inventory
21
Sale-to-List
88.7%
New Listings
28
Price/SqFt
$79
Pending Sales
32
Conforming Loan Available
Most homebuyers in 39581 can comfortably use conventional financing. The median home price of $125,000 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
39581'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 39581 sells for 11.3% below asking price (88.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 39581 can comfortably use conventional financing. The median home price of $125,000 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 39581 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 39581
To purchase the median home at $125,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,108.
Monthly Payment
$1,108
Income Required
$47,473
Principal & Interest
$770/mo
Down Payment (5%)
$6,250
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 39581.
Estimated Monthly Payment
$924
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 39581. Tell us what you're looking for.