38826 — Lee County, Mississippi Market Snapshot
Housing market data for zip code 38826 in Lee County, Mississippi. Updated monthly with median prices, days on market, and more.
Market Sales Data
21 sales in 2026 (year to date)
Median Sale Price
$429,900
Days to Sell
29
Homes Sold
21
Inventory
22
Sale-to-List
0.0%
New Listings
22
Price/SqFt
$170
Pending Sales
21
Conforming Loan Available
Most homebuyers in 38826 can comfortably use conventional financing. The median home price of $429,900 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 38826 are moving quickly at 29 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 38826 sells for 100.0% below asking price (0.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 38826 can comfortably use conventional financing. The median home price of $429,900 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 38826 are set at the county level.
2026 Loan Limits — Lee 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 38826
To purchase the median home at $429,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,444.
Monthly Payment
$3,444
Income Required
$147,590
Principal & Interest
$2,649/mo
Down Payment (5%)
$21,495
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 38826.
Estimated Monthly Payment
$2,811
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 38826. Tell us what you're looking for.