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Holly Springs city, MS

ZIP 38635 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 38635

Median Home Value
$158,800
Median Rent
$638
Affordability Snapshot
$44,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,020/mo PITI).

14%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.7 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 38635 in Holly Springs city, MS, a household would need roughly $44,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,020. That sits below the local median household income ($53,441), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
79.7%+22% vs US avg
x
Vacancy Rate
16.2%+57% vs US avg
x
Broadband Access
77.8%-11% vs US avg
x
4+ Bedrooms
2.3%-85% vs US avg
x
Built Pre-1939
0.6%-95% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
31.9%-36% vs US avg
x
Mortgage-Free
49.8%+30% vs US avg
x
$158,800
Home Value
$638
Rent
1987
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached80.0%
  • 1-unit attached1.1%
  • 2-9 units3.4%
  • 10+ units2.8%
  • Mobile home & other12.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$158,800
Median rent$638
Owner-occupied79.7%
Vacant16.2%
Price-to-income3.0x
Est. income to buy$44,000