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Gloster town, MS

ZIP 39638 — 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 39638

Median Home Value
$85,000
Median Rent
$374
Affordability Snapshot
$23,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$546/mo PITI).

12%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.9 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 39638 in Gloster town, MS, a household would need roughly $23,000 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 $546. That sits below the local median household income ($37,051), 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
81.6%+25% vs US avg
x
Vacancy Rate
20.4%+99% vs US avg
x
Broadband Access
71.6%-18% vs US avg
x
4+ Bedrooms
2.6%-82% vs US avg
x
Built Pre-1939
0.9%-93% vs US avg
x
Built Post-2014
2.2%-68% vs US avg
x
Rent Burden >30%
16.8%-66% vs US avg
x
Mortgage-Free
79.8%+109% vs US avg
x
$85,000
Home Value
$374
Rent
1982
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached56.4%
  • 1-unit attached0.2%
  • 2-9 units2.1%
  • 10+ units3.6%
  • Mobile home & other37.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$85,000
Median rent$374
Owner-occupied81.6%
Vacant20.4%
Price-to-income2.3x
Est. income to buy$23,000