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Isola town, MS

ZIP 38754 — 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 38754

Median Home Value
$87,700
Median Rent
$452
Affordability Snapshot
$24,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$563/mo PITI).

17%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.2 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 38754 in Isola town, 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 $563. That sits below the local median household income ($31,691), 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
61.1%-7% vs US avg
x
Vacancy Rate
12.0%+17% vs US avg
x
Broadband Access
63.4%-27% vs US avg
x
4+ Bedrooms
1.4%-90% vs US avg
x
Built Pre-1939
0.3%-98% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
22.4%-55% vs US avg
x
Mortgage-Free
53.5%+40% vs US avg
x
$87,700
Home Value
$452
Rent
1978
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached77.0%
  • 1-unit attached0.6%
  • 2-9 units6.7%
  • 10+ units5.9%
  • Mobile home & other9.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$87,700
Median rent$452
Owner-occupied61.1%
Vacant12.0%
Price-to-income2.8x
Est. income to buy$24,000