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Natchez city, MS

ZIP 39120 — 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 39120

Median Home Value
$106,500
Median Rent
$523
Affordability Snapshot
$29,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$684/mo PITI).

15%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.0 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 39120 in Natchez city, MS, a household would need roughly $29,000 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 $684. That sits below the local median household income ($40,586), 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 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
66.7%+2% vs US avg
x
Vacancy Rate
21.8%+112% vs US avg
x
Broadband Access
81.8%-6% vs US avg
x
4+ Bedrooms
1.8%-88% vs US avg
x
Built Pre-1939
4.9%-62% vs US avg
x
Built Post-2014
0.4%-95% vs US avg
x
Rent Burden >30%
20.5%-59% vs US avg
x
Mortgage-Free
68.6%+80% vs US avg
x
$106,500
Home Value
$523
Rent
1972
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached71.6%
  • 1-unit attached1.0%
  • 2-9 units10.6%
  • 10+ units4.2%
  • Mobile home & other12.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$106,500
Median rent$523
Owner-occupied66.7%
Vacant21.8%
Price-to-income2.6x
Est. income to buy$29,000