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Ruleville city, MS

ZIP 38771 — 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 38771

Median Home Value
$96,100
Median Rent
$324
Affordability Snapshot
$26,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$617/mo PITI).

9%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

24.7 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 38771 in Ruleville city, MS, a household would need roughly $26,000 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 $617. That sits below the local median household income ($42,727), 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 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
51.8%-21% vs US avg
x
Vacancy Rate
17.7%+72% vs US avg
x
Broadband Access
81.7%-6% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
5.0%-61% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
21.2%-57% vs US avg
x
Mortgage-Free
41.7%+9% vs US avg
x
$96,100
Home Value
$324
Rent
1977
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 detached65.8%
  • 1-unit attached1.4%
  • 2-9 units24.3%
  • 10+ units0.0%
  • Mobile home & other8.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$96,100
Median rent$324
Owner-occupied51.8%
Vacant17.7%
Price-to-income2.2x
Est. income to buy$26,000