39083 — Lincoln County, Mississippi Market Snapshot
Housing market data for zip code 39083 in Lincoln County, Mississippi. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$87,000
Days to Sell
29
Homes Sold
10
Inventory
11
Sale-to-List
88.3%
New Listings
14
Price/SqFt
$59
Pending Sales
12
Conforming Loan Available
Most homebuyers in 39083 can comfortably use conventional financing. The median home price of $87,000 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 39083 are moving quickly at 29 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 39083 sells for 11.7% below asking price (88.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 39083 can comfortably use conventional financing. The median home price of $87,000 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 39083 are set at the county level.
2026 Loan Limits — Lincoln 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 39083
To purchase the median home at $87,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $817.
Monthly Payment
$817
Income Required
$34,996
Principal & Interest
$536/mo
Down Payment (5%)
$4,350
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 39083.
Estimated Monthly Payment
$688
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