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Georgetown town, MS

ZIP 39078 — 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 39078

Median Home Value
$182,400
Median Rent
$201
Affordability Snapshot
$50,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,172/mo PITI).

4%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

75.6 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 39078 in Georgetown town, MS, a household would need roughly $50,000 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 $1,172. That sits below the local median household income ($60,526), 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 27% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
69.0%+6% vs US avg
x
Vacancy Rate
26.9%+161% vs US avg
x
Broadband Access
86.3%-1% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
1.5%-88% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
8.5%-83% vs US avg
x
Mortgage-Free
83.5%+119% vs US avg
x
$182,400
Home Value
$201
Rent
1984
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached67.5%
  • 1-unit attached1.9%
  • 2-9 units9.6%
  • 10+ units0.4%
  • Mobile home & other20.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$182,400
Median rent$201
Owner-occupied69.0%
Vacant26.9%
Price-to-income3.0x
Est. income to buy$50,000