FairUpdated MAY 20, 2026

Greenville, MS

ZIP 38703·Washington County·Greenville, MS·11,243 residents·Median income $40,641·Leaning Buyer

38703 · Greenville, MS has a HavenScore of 54 — fair on affordability and fundamentals, per the score.

Compare
54
▼ -9 / 90d#1/5 in MSHavenScore
Rank

Ranked #4,412 of 13,130 nationally · #1,858 of 5,378 small market ZIPs

Switch perspective

Overall view active — Equal weight across affordability, growth, risk, momentum.

Sub-scores below recompute with these weights

Affordability
87/100
Growth
14/100
Risk
45/100
Momentum
54/100
Livability
39/100
Score · trailing 12 mo
63 → 54
-9 points
30-day
+1
90-day
-9
1-yr
-9

Snapshot

Numbers at a glance

Median price
$53,450
Typical home value
YoY change
-15.35%
12-mo trailing
Price-to-income
1.3×
healthy <4.0×
Est. monthly
$328
PITI · 20% · 6.51%
Active listings
23
current count
Days on market
64
median DOM
Vacancy
18.0%
Above-average
Owner-occupied
53%
of homes
Denial rate
35.6%
Above-average
Lending activity
408
originations
Net migration
-16.2%
net outflow
Income inflow
$37k
average
Walkability
5.8
Below-average
Risk rating
Relatively High
FEMA NRI
Pro featurefrom $25/mo

The score has more to say about this ZIP.

The score's read on falling-market signals: foreclosure starts, price-cut velocity, and DOM acceleration.

?? / 100 · 🔒 ProDown 15.3% YoY · Selling below ask · Forecast continuing · Credit tightening
  • Distress score with severity rating
  • Underlying signal breakdown
  • Price trend and forecast context
  • Refreshed monthly
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Composition

Pillars behind the score

Affordability

35% of score
87/100
Price-to-income
Healthy under 4×·ACS · ZHVI
🔒 Haven
Property tax rate
Annual, as % of value·Tax Foundation 2024
🔒 Haven
Median income
Household·Census ACS
🔒 Haven

Growth momentum

25% of score
14/100
12-month price change
Trailing year·Zillow ZHVI
🔒 Haven
12-month rent change
Trailing year·Zillow ZORI
🔒 Haven
Population
Estimated residents·Census ACS
🔒 Haven

Market risk

20% of score
45/100
Overvaluation
vs fundamentals·HavenScore composite
🔒 Haven
Active listings
Raw count — lower is tighter supply·Realtor.com
🔒 Haven
Price cuts
Share of listings·Realtor.com
🔒 Haven

Momentum

20% of score
54/100
Days on market
Median listing age·Realtor.com
🔒 Haven
Buyer / seller gauge
Market balance·HavenScore composite
🔒 Haven
Demand dial
Composite demand signal·HavenScore composite
🔒 Haven

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Signals

What's driving this score

Top 6 of 14 signals
Tailwinds3
  • Affordable vs. income
    1.3× income — below the national median
  • Limited new supply
    Only 0.2 permits per 1,000 — supply constrained
  • Potentially undervalued
    20% below historical price-to-income
Headwinds3
  • Declining prices
    -15.3% year-over-year
  • Population outflow
    -16.2% net — people leaving
  • Slow-moving market
    64 days on market — homes sitting longer
Buyer / seller gauge

Market conditions

Leaning Buyer

Conditions easing in buyers' favor. Sign in to save this ZIP and track how the score moves.

-32
Strong buyerBalancedStrong seller

Pulse

What's changed in the last 90 days

🔒 Haven
Rising

Median price

+18.0%$53k
🔒 Haven
Falling

Inventory

−36.1%23

Change vs. prior 90 days · arrow shows direction, not whether it’s good or bad

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Metrics

The raw numbers

Median Home Value

$53,450

▼ -15.35% YoY
Median Rent

—

Active Inventory

23

Days on Market

64 days

Price Cuts

+6.06%

Price-to-Income

1.3×

Median Income

$40,641

Population

11,243

Overvaluation

-19.51%

Trend

Where it's been

Historical Trends

Updated May 2026

🔒 Haven
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Forecast

Where it's heading

The HavenScore Forecast Model (v1) projects this ZIP’s median value at 3-, 6-, and 12-month horizons, with 80% prediction intervals.

Price Forecast

12-month projection · 80% calibrated interval

🔒 Haven
—————
Free · 3 mo  |  Haven · 12 mo →
3-month
🔒 Haven
6-month
🔒 Haven
12-month
🔒 Haven
12-month forecast + confidence intervals + AI-explained drivers unlock with Haven

Forecasts are the model’s projection, not a prediction. Actuals will differ.

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Payment

What you'd owe each month

Est. monthly payment
$328/ mo

20% down · 30-yr fixed · 6.51% · tax 0.79%

Principal$39
Interest$232
Property tax$35
Insurance$22
Rent vs buy

Rent data isn’t published for this ZIP, so we can’t compute a rent-vs-buy gap.

Decide

Run the numbers

Cost of ownership over time

Cumulative housing cost, interest paid, and equity built · 10% down · ZIP median income $40,641

1-year
Total housing cost
🔒 Haven
Interest paid
🔒 Haven
Principal paid
🔒 Haven
Equity built
🔒 Haven
5-year
Total housing cost
🔒 Haven
Interest paid
🔒 Haven
Principal paid
🔒 Haven
Equity built
🔒 Haven
30-year
Total housing cost
🔒 Haven
Interest paid
🔒 Haven
Principal paid
🔒 Haven
Equity built
🔒 Haven

Equity assumes flat home value; real appreciation could push it higher · Rate 6.51%

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Haven featurefrom $8/mo

The score has more to say about this ZIP.

A list-timing recommendation for sellers — buyer/seller gauge, recent signals, and a polished PDF. Switch to Seller view to generate it.

Report sections · Haven

Buyer / Seller gauge🔒 Haven
Market state callout🔒 Haven
Recent direction in seller-relevant signals🔒 Haven
Net proceeds estimator🔒 Haven
Methodology summary🔒 Haven
  • List-timing recommendation
  • Metro and ZIP context
  • Polished PDF layout
  • Refreshed monthly
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Pro featurefrom $25/mo

The score has more to say about this ZIP.

A four-page editorial PDF: market summary, full pillar breakdown, 5-year history with forecast, alternatives, and a 30-year cost-of-ownership table.

HavenScore Report38703Market AnalysisGENERATED FOR PRO MEMBERS78PILLAR BREAKDOWNHAVENSCORE.APP · PRO REPORT🔒 Pro
  • Branded PDF with all metrics
  • Includes forecast + scorecards
  • Suitable for client presentations
  • Unlimited exports
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Comparable ZIPs

Same shape, lower entry

ZIPs the score groups near 38703 on Affordability and Growth — sorted by lowest median value.

ZIP 15033
Donora
PA
62
$45,565-9.23%
ZIP 39203
Jackson
MS
54
$47,750-5.22%
ZIP 39209
Jackson
MS
61
$48,685+2.13%
ZIP 38614
Clarksdale
MS
54
$49,596-9.74%

Sources

Every number, traced

Every metric above is sourced from public datasets, normalized against the national ZIP distribution. Home values and rents refresh monthly; demographics refresh annually.

Zillow Research
Home values, rents, inventory, transactions
Realtor.com
Inventory, days on market, price-cut share
Redfin
Sale prices, transaction volume
US Census ACS
Income, population, vacancy, cost burden
Freddie Mac PMMS
Current 30-year fixed mortgage rates
FHFA HPI
Long-term price trends
HUD Small Area FMR
Per-ZIP fair market rents (rural fallback)
BEA & IRS
Personal income growth, net migration
Lending & accessibility
Lending and neighborhood-access signals

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