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Clarksdale city, MS

ZIP 38645 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 38645

Median Home Value
$88,400
Median Rent
$466
Affordability Snapshot
$24,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$568/mo PITI).

9%
Rent-to-Income Ratio

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

1.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.8 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 38645 in Clarksdale city, MS, a household would need roughly $24,000 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 $568. That sits below the local median household income ($61,458), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
65.5%+0% vs US avg
x
Vacancy Rate
11.8%+15% vs US avg
x
Broadband Access
71.7%-18% vs US avg
x
4+ Bedrooms
1.0%-93% vs US avg
x
Built Pre-1939
5.9%-54% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
10.6%-79% vs US avg
x
Mortgage-Free
65.0%+70% vs US avg
x
$88,400
Home Value
$466
Rent
1982
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 detached68.1%
  • 1-unit attached0.0%
  • 2-9 units12.6%
  • 10+ units0.7%
  • Mobile home & other18.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$88,400
Median rent$466
Owner-occupied65.5%
Vacant11.8%
Price-to-income1.4x
Est. income to buy$24,000