39114 — Rankin County, Mississippi Market Snapshot
Housing market data for zip code 39114 in Rankin County, Mississippi. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$240,000
Days to Sell
78
Homes Sold
18
Inventory
19
Sale-to-List
97.9%
New Listings
23
Price/SqFt
$128
Pending Sales
22
Conforming Loan Available
Most homebuyers in 39114 can comfortably use conventional financing. The median home price of $240,000 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
With homes sitting for 78 days on average, 39114 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 39114 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 39114 can comfortably use conventional financing. The median home price of $240,000 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 39114 are set at the county level.
2026 Loan Limits — Rankin 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 39114
To purchase the median home at $240,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,989.
Monthly Payment
$1,989
Income Required
$85,234
Principal & Interest
$1,479/mo
Down Payment (5%)
$12,000
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 39114.
Estimated Monthly Payment
$1,635
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