39194 — Yazoo County, Mississippi Market Snapshot
Housing market data for zip code 39194 in Yazoo 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
$96,000
Days to Sell
125
Homes Sold
10
Inventory
17
Sale-to-List
99.8%
New Listings
18
Price/SqFt
$61
Pending Sales
14
Conforming Loan Available
Most homebuyers in 39194 can comfortably use conventional financing. The median home price of $96,000 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 125 days on average, 39194 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
Homes are selling very close to asking price in 39194 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 39194 can comfortably use conventional financing. The median home price of $96,000 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 39194 are set at the county level.
2026 Loan Limits — Yazoo 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 39194
To purchase the median home at $96,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $886.
Monthly Payment
$886
Income Required
$37,951
Principal & Interest
$592/mo
Down Payment (5%)
$4,800
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 39194.
Estimated Monthly Payment
$744
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