39073 — Simpson County, Mississippi Market Snapshot
Housing market data for zip code 39073 in Simpson County, Mississippi. Updated monthly with median prices, days on market, and more.
Market Sales Data
45 sales in 2026 (year to date)
Median Sale Price
$285,000
Days to Sell
30
Homes Sold
45
Inventory
41
Sale-to-List
98.4%
New Listings
52
Price/SqFt
$162
Pending Sales
44
Conforming Loan Available
Most homebuyers in 39073 can comfortably use conventional financing. The median home price of $285,000 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
39073's market is balanced with homes taking an average of 30 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 39073 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 39073 can comfortably use conventional financing. The median home price of $285,000 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 39073 are set at the county level.
2026 Loan Limits — Simpson 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 39073
To purchase the median home at $285,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,334.
Monthly Payment
$2,334
Income Required
$100,011
Principal & Interest
$1,756/mo
Down Payment (5%)
$14,250
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 39073.
Estimated Monthly Payment
$1,914
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