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Laurel city, MS

ZIP 39440 — 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 39440

Median Home Value
$112,300
Median Rent
$572
Affordability Snapshot
$31,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$721/mo PITI).

18%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.4 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 39440 in Laurel city, MS, a household would need roughly $31,000 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 $721. That sits below the local median household income ($38,687), 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 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
57.7%-12% vs US avg
x
Vacancy Rate
15.1%+47% vs US avg
x
Broadband Access
70.8%-19% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
5.7%-56% vs US avg
x
Built Post-2014
0.7%-91% vs US avg
x
Rent Burden >30%
33.2%-33% vs US avg
x
Mortgage-Free
57.3%+50% vs US avg
x
$112,300
Home Value
$572
Rent
1972
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached67.6%
  • 1-unit attached2.3%
  • 2-9 units21.7%
  • 10+ units4.3%
  • Mobile home & other4.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$112,300
Median rent$572
Owner-occupied57.7%
Vacant15.1%
Price-to-income2.9x
Est. income to buy$31,000