39180 — Warren County, Mississippi Market Snapshot
Housing market data for zip code 39180 in Warren County, Mississippi. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$183,750
Days to Sell
87
Homes Sold
26
Inventory
89
Sale-to-List
94.1%
New Listings
65
Price/SqFt
$100
Pending Sales
61
Conforming Loan Available
Most homebuyers in 39180 can comfortably use conventional financing. The median home price of $183,750 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
With homes sitting for 87 days on average, 39180 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 39180 sells for 5.9% below asking price (94.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 39180 can comfortably use conventional financing. The median home price of $183,750 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 39180 are set at the county level.
2026 Loan Limits — Warren 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 39180
To purchase the median home at $183,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,558.
Monthly Payment
$1,558
Income Required
$66,764
Principal & Interest
$1,132/mo
Down Payment (5%)
$9,188
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 39180.
Estimated Monthly Payment
$1,287
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