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Tupelo city, MS

ZIP 38801 — 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 38801

Median Home Value
$187,600
Median Rent
$743
Affordability Snapshot
$52,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,205/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.

21.0 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 38801 in Tupelo city, MS, a household would need roughly $52,000 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 $1,205. That sits below the local median household income ($63,447), 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
61.0%-7% vs US avg
x
Vacancy Rate
15.8%+53% vs US avg
x
Broadband Access
78.0%-10% vs US avg
x
4+ Bedrooms
1.7%-88% vs US avg
x
Built Pre-1939
0.7%-94% vs US avg
x
Built Post-2014
0.5%-92% vs US avg
x
Rent Burden >30%
20.9%-58% vs US avg
x
Mortgage-Free
38.6%+1% vs US avg
x
$187,600
Home Value
$743
Rent
1984
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached68.1%
  • 1-unit attached0.7%
  • 2-9 units11.1%
  • 10+ units12.9%
  • Mobile home & other7.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$187,600
Median rent$743
Owner-occupied61.0%
Vacant15.8%
Price-to-income3.0x
Est. income to buy$52,000