38722 — Washington County, Mississippi Market Snapshot
Housing market data for zip code 38722 in Washington County, Mississippi. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Washington County county page for broader data.
Market Sales Data
1 sales in 2020
Median Sale Price
$20,700
Days to Sell
159
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 38722 can comfortably use conventional financing. The median home price of $20,700 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 159 days on average, 38722 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 38722 can comfortably use conventional financing. The median home price of $20,700 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 38722 are set at the county level.
2026 Loan Limits — Washington 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 38722
To purchase the median home at $20,700 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $309.
Monthly Payment
$309
Income Required
$13,226
Principal & Interest
$128/mo
Down Payment (5%)
$1,035
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 38722.
Estimated Monthly Payment
$278
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