US5.com
  1. Home
  2. States
  3. Mississippi
  4. ZIP 38821
  5. Housing & Real Estate
Amory city, MS

ZIP 38821 — 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 38821

Median Home Value
$157,600
Median Rent
$554
Affordability Snapshot
$43,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,012/mo PITI).

13%
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.

23.7 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 38821 in Amory city, MS, a household would need roughly $43,000 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 $1,012. That sits below the local median household income ($52,810), 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
75.9%+16% vs US avg
x
Vacancy Rate
15.7%+52% vs US avg
x
Broadband Access
88.4%+2% vs US avg
x
4+ Bedrooms
1.3%-91% vs US avg
x
Built Pre-1939
7.2%-44% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
10.2%-79% vs US avg
x
Mortgage-Free
52.5%+38% vs US avg
x
$157,600
Home Value
$554
Rent
1978
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 detached76.9%
  • 1-unit attached0.0%
  • 2-9 units14.7%
  • 10+ units0.3%
  • Mobile home & other8.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$157,600
Median rent$554
Owner-occupied75.9%
Vacant15.7%
Price-to-income3.0x
Est. income to buy$43,000