39059 — Copiah County, Mississippi Market Snapshot
Housing market data for zip code 39059 in Copiah County, Mississippi. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$234,950
Days to Sell
37
Homes Sold
12
Inventory
28
Sale-to-List
96.7%
New Listings
23
Price/SqFt
$128
Pending Sales
15
Conforming Loan Available
Most homebuyers in 39059 can comfortably use conventional financing. The median home price of $234,950 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
39059's market is balanced with homes taking an average of 37 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 39059 sells for 3.3% below asking price (96.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 39059 can comfortably use conventional financing. The median home price of $234,950 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 39059 are set at the county level.
2026 Loan Limits — Copiah County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 39059
To purchase the median home at $234,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,950.
Monthly Payment
$1,950
Income Required
$83,576
Principal & Interest
$1,448/mo
Down Payment (5%)
$11,748
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 39059.
Estimated Monthly Payment
$1,604
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