39170 — Copiah County, Mississippi Market Snapshot
Housing market data for zip code 39170 in Copiah County, Mississippi. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$257,000
Days to Sell
17
Homes Sold
16
Inventory
21
Sale-to-List
97.1%
New Listings
25
Price/SqFt
$135
Pending Sales
21
Conforming Loan Available
Most homebuyers in 39170 can comfortably use conventional financing. The median home price of $257,000 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
Homes in 39170 are moving quickly at 17 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 39170 sells for 2.9% below asking price (97.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 39170 can comfortably use conventional financing. The median home price of $257,000 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 39170 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 39170
To purchase the median home at $257,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,119.
Monthly Payment
$2,119
Income Required
$90,816
Principal & Interest
$1,584/mo
Down Payment (5%)
$12,850
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 39170.
Estimated Monthly Payment
$1,741
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