39218 — Rankin County, Mississippi Market Snapshot
Housing market data for zip code 39218 in Rankin County, Mississippi. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$230,000
Days to Sell
8
Homes Sold
16
Inventory
13
Sale-to-List
97.6%
New Listings
22
Price/SqFt
$155
Pending Sales
19
Conforming Loan Available
Most homebuyers in 39218 can comfortably use conventional financing. The median home price of $230,000 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
39218 is an extremely competitive market with homes selling in just 8 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
The average home in 39218 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 39218 can comfortably use conventional financing. The median home price of $230,000 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 39218 are set at the county level.
2026 Loan Limits — Rankin 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 39218
To purchase the median home at $230,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,912.
Monthly Payment
$1,912
Income Required
$81,951
Principal & Interest
$1,417/mo
Down Payment (5%)
$11,500
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 39218.
Estimated Monthly Payment
$1,573
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