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Raymond city, MS

ZIP 39154 — 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 39154

Median Home Value
$217,200
Median Rent
$632
Affordability Snapshot
$60,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,395/mo PITI).

10%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

28.6 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 39154 in Raymond city, MS, a household would need roughly $60,000 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 $1,395. That sits below the local median household income ($77,127), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
89.3%+36% vs US avg
x
Vacancy Rate
10.9%+6% vs US avg
x
Broadband Access
93.6%+8% vs US avg
x
4+ Bedrooms
6.7%-54% vs US avg
x
Built Pre-1939
1.0%-92% vs US avg
x
Built Post-2014
3.4%-50% vs US avg
x
Rent Burden >30%
42.1%-15% vs US avg
x
Mortgage-Free
44.5%+17% vs US avg
x
$217,200
Home Value
$632
Rent
1990
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached76.5%
  • 1-unit attached0.1%
  • 2-9 units0.8%
  • 10+ units5.2%
  • Mobile home & other17.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$217,200
Median rent$632
Owner-occupied89.3%
Vacant10.9%
Price-to-income2.8x
Est. income to buy$60,000