US5.com
  1. Home
  2. States
  3. Mississippi
  4. ZIP 39645
  5. Housing & Real Estate
Liberty town, MS

ZIP 39645 — 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 39645

Median Home Value
$94,800
Median Rent
$509
Affordability Snapshot
$26,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$609/mo PITI).

16%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.5 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 39645 in Liberty town, MS, a household would need roughly $26,000 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 $609. That sits below the local median household income ($37,750), 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 25% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
84.6%+29% vs US avg
x
Vacancy Rate
25.2%+145% vs US avg
x
Broadband Access
71.2%-18% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
2.5%-63% vs US avg
x
Rent Burden >30%
16.6%-67% vs US avg
x
Mortgage-Free
77.7%+103% vs US avg
x
$94,800
Home Value
$509
Rent
1981
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 detached69.8%
  • 1-unit attached0.0%
  • 2-9 units1.4%
  • 10+ units0.2%
  • Mobile home & other28.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$94,800
Median rent$509
Owner-occupied84.6%
Vacant25.2%
Price-to-income2.5x
Est. income to buy$26,000