39532 — Jackson County, Mississippi Market Snapshot
Housing market data for zip code 39532 in Jackson County, Mississippi. Updated monthly with median prices, days on market, and more.
Market Sales Data
114 sales in 2026 (year to date)
Median Sale Price
$307,450
Days to Sell
52
Homes Sold
114
Inventory
106
Sale-to-List
98.2%
New Listings
161
Price/SqFt
$154
Pending Sales
153
Conforming Loan Available
Most homebuyers in 39532 can comfortably use conventional financing. The median home price of $307,450 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
39532's market is balanced with homes taking an average of 52 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 39532 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 39532 can comfortably use conventional financing. The median home price of $307,450 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 39532 are set at the county level.
2026 Loan Limits — Jackson 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 39532
To purchase the median home at $307,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,506.
Monthly Payment
$2,506
Income Required
$107,382
Principal & Interest
$1,894/mo
Down Payment (5%)
$15,373
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 39532.
Estimated Monthly Payment
$2,053
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