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Thaxton town, MS

ZIP 38871 — 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 38871

Median Home Value
$96,500
Median Rent
$561
Affordability Snapshot
$27,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$620/mo PITI).

11%
Rent-to-Income Ratio

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

1.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.3 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 38871 in Thaxton town, MS, a household would need roughly $27,000 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 $620. That sits below the local median household income ($63,661), 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 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
84.7%+30% vs US avg
x
Vacancy Rate
19.8%+92% vs US avg
x
Broadband Access
86.2%-1% vs US avg
x
4+ Bedrooms
2.1%-86% vs US avg
x
Built Pre-1939
0.9%-93% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
1.5%-97% vs US avg
x
Mortgage-Free
62.7%+64% vs US avg
x
$96,500
Home Value
$561
Rent
1988
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached69.0%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other31.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$96,500
Median rent$561
Owner-occupied84.7%
Vacant19.8%
Price-to-income1.5x
Est. income to buy$27,000