39183 — Warren County, Mississippi Market Snapshot
Housing market data for zip code 39183 in Warren County, Mississippi. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$259,500
Days to Sell
71
Homes Sold
22
Inventory
32
Sale-to-List
108.6%
New Listings
27
Price/SqFt
$122
Pending Sales
26
Conforming Loan Available
Most homebuyers in 39183 can comfortably use conventional financing. The median home price of $259,500 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 71 days on average, 39183 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
Homes in 39183 are selling 8.6% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 39183 can comfortably use conventional financing. The median home price of $259,500 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 39183 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 39183
To purchase the median home at $259,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,138.
Monthly Payment
$2,138
Income Required
$91,638
Principal & Interest
$1,599/mo
Down Payment (5%)
$12,975
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 39183.
Estimated Monthly Payment
$1,756
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