US5.com
  1. Home
  2. States
  3. Mississippi
  4. ZIP 38722
  5. Housing & Real Estate
Arcola town, MS

ZIP 38722 — Housing & Real Estate

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

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 38722

Median Home Value
$77,500
Median Rent
$237
Affordability Snapshot
$21,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$498/mo PITI).

14%
Rent-to-Income Ratio

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

3.8x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

27.3 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 38722 in Arcola town, MS, a household would need roughly $21,000 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 $498. That is roughly in line with the local median household income ($20,536). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 42% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
59.0%-10% vs US avg
x
Vacancy Rate
42.0%+307% vs US avg
x
Broadband Access
57.8%-34% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
17.5%+37% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
23.5%-53% vs US avg
x
Mortgage-Free
98.0%+156% vs US avg
x
$77,500
Home Value
$237
Rent
1979
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 detached55.2%
  • 1-unit attached0.0%
  • 2-9 units13.3%
  • 10+ units7.7%
  • Mobile home & other23.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$77,500
Median rent$237
Owner-occupied59.0%
Vacant42.0%
Price-to-income3.8x
Est. income to buy$21,000