FairUpdated MAY 20, 2026

Derma, MS

ZIP 38839·Calhoun County·41 residents·Leaning Seller

38839 · Derma, MS has a HavenScore of 50 — fair per HavenScore.

Compare
50
▲ +19 / 90d#37/94 in MSHavenScore
Rank

This ZIP has fewer than 5,000 residents, so it isn’t ranked against larger markets. The HavenScore is shown for reference.

Switch perspective

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

Sub-scores below recompute with these weights

Affordability
—/100
Growth
29/100
Risk
72/100
Momentum
51/100
Livability
53/100
Score · trailing 12 mo
31 → 50
+19 points
30-day
0
90-day
+19
1-yr
+19

Snapshot

Numbers at a glance

Median price
$75,206
Typical home value
YoY change
-5.14%
12-mo trailing
Est. monthly
$462
PITI · 20% · 6.51%
Active listings
1
current count
Days on market
92
median DOM
Vacancy
0.0%
Below-average
Owner-occupied
69%
of homes
Denial rate
42.7%
Above-average
Lending activity
114
originations
Net migration
+3.9%
net inflow
Income inflow
$46k
average
Walkability
6.8
Below-average
Risk rating
Relatively Moderate
FEMA NRI

Composition

Pillars behind the score

Affordability

35% of score
—/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
29/100
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
72/100
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
51/100
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
Tailwinds4
  • Strong migration inflow
    +3.9% net — people moving in
  • Limited new supply
    Only 0.2 permits per 1,000 — supply constrained
  • Strong job market
    2.9% unemployment
  • Few price reductions
    Only 0% of listings cutting price
Headwinds2
  • Declining prices
    -5.1% year-over-year
  • Slow-moving market
    92 days on market — homes sitting longer
Buyer / seller gauge

Market conditions

Leaning Seller

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

+17
Strong buyerBalancedStrong seller

Pulse

What's changed in the last 90 days

🔒 Haven
Falling

Median price

−12.4%$75k

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

$75,206

▼ -5.14% YoY
Median Rent

—

Active Inventory

1

Days on Market

92 days

Price Cuts

0.00%

Price-to-Income

—

Median Income

—

Population

41

Overvaluation

—

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
$462/ mo

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

Principal$54
Interest$326
Property tax$50
Insurance$31
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 · standard assumptions

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 Report38839Market 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 38839 on Affordability and Growth — sorted by lowest median value.

ZIP 39203
Jackson
MS
54
$47,750-5.22%
ZIP 38614
Clarksdale
MS
54
$49,596-9.74%
ZIP 38703
Greenville
MS
54
$53,450-15.35%
ZIP 38941
Itta Bena
MS
47
$53,846-15.40%

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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