38618 — Marshall County, Mississippi Market Snapshot
Housing market data for zip code 38618 in Marshall County, Mississippi. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$339,900
Days to Sell
53
Homes Sold
17
Inventory
17
Sale-to-List
96.2%
New Listings
34
Price/SqFt
$171
Pending Sales
33
Conforming Loan Available
Most homebuyers in 38618 can comfortably use conventional financing. The median home price of $339,900 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
38618's market is balanced with homes taking an average of 53 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 38618 sells for 3.8% below asking price (96.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 38618 can comfortably use conventional financing. The median home price of $339,900 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 38618 are set at the county level.
2026 Loan Limits — Marshall 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 38618
To purchase the median home at $339,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,754.
Monthly Payment
$2,754
Income Required
$118,038
Principal & Interest
$2,094/mo
Down Payment (5%)
$16,995
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 38618.
Estimated Monthly Payment
$2,254
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