FairUpdated MAY 20, 2026

Itta Bena, MS

ZIP 38941·Leflore County·Greenwood, MS·3,478 residents·Median income $33,967·Leaning Buyer

38941 · Itta Bena, MS has a HavenScore of 47 — population, income, and price trajectory all line up on the growth side.

Compare
47
▼ -10 / 90d#8/11 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
83/100
Growth
16/100
Risk
32/100
Momentum
41/100
Livability
28/100
Score · trailing 12 mo
57 → 47
-10 points
30-day
-1
90-day
-10
1-yr
-10

Snapshot

Numbers at a glance

Median price
$53,846
Typical home value
YoY change
-15.40%
12-mo trailing
Price-to-income
1.6×
healthy <4.0×
Est. monthly
$330
PITI · 20% · 6.51%
Active listings
2
current count
Days on market
147
median DOM
Vacancy
27.0%
Above-average
Owner-occupied
39%
of homes
Denial rate
39.4%
Above-average
Lending activity
177
originations
Net migration
-22.3%
net outflow
Income inflow
$31k
average
Walkability
5.1
Least walkable
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 15.4% 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
83/100
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
16/100
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
32/100
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
41/100
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
Tailwinds2
  • Affordable vs. income
    1.6× income — below the national median
  • Limited new supply
    Only 1.6 permits per 1,000 — supply constrained
Headwinds4
  • Declining prices
    -15.4% year-over-year
  • Population outflow
    -22.3% net — people leaving
  • Elevated unemployment
    5.1% unemployment rate
  • Slow-moving market
    147 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.

-11
Strong buyerBalancedStrong seller

Pulse

What's changed in the last 90 days

🔒 Haven
Rising

Median price

+1.9%$54k

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

$53,846

▼ -15.40% YoY
Median Rent

—

Active Inventory

2

Days on Market

147 days

Price Cuts

0.00%

Price-to-Income

1.6×

Median Income

$33,967

Population

3,478

Overvaluation

-10.67%

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
$330/ mo

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

Principal$39
Interest$234
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 $33,967

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 Report38941Market 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 38941 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%

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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