Real Estate Investing in Monticello, Mississippi

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

1 ZIP codes • Population: 4,589 • Lawrence County

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Should you buy in Monticello, MS? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (46/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
MIXED
3.0 / 5 (52/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
4 flags
  • High vacancy: 26.5% of homes vacant — above national norms.
  • Declining values: -1.6% 5-year CAGR — values have moved lower.
  • Higher unemployment: 9.1% unemployment — tenant risk signal.
  • Lower household income: $38,093 median — tenant affordability is tighter.

What’s happening in Monticello, MS?

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3.0/ 5

Investability

Citywide average

0.0/ 5

Appreciation

Long-term value growth

5.0/ 5

Landlord Climate

Regulatory friendliness

🏦 30-yr Fixed Rate: 6.95% as of Sep 17 Source: Freddie Mac PMMS
Avg Investability
Avg Home Value $117,800
Avg Monthly Rent $756
ZIP Codes 1

Investing in Monticello Real Estate

Monticello, MS covers 1 ZIP codes and a population but the investment metrics here are sluggish — this is not a market to enter casually.

Across Monticello's 1 ZIPs, fundamentals run modest: thin appreciation, soft rents, and demographic trends that don't obviously reverse in the medium term.

Rent trends and price trends in Monticello are both soft, which is the uncomfortable combination that defines distressed-leaning markets in Mississippi.

Demographics in Monticello show real pressure — median income of $N/AK is modest relative to rents, and the 0% renter share includes significant cost-burdened households.

A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in Monticello, MS. Anonymous, moderated, never written by AI.

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Avg Home Value
$117,800
Avg Monthly Rent
$756
1% Rule
✗ Below
Landlord Friendly (MS)

ZIP Codes in Monticello, MS

Screen every ZIP in Monticello

Filter Monticello’s ZIPs by cap rate, vacancy, appreciation and 30+ more criteria, and export your shortlist to CSV — with the Investor plan ($19/mo).

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Frequently Asked Questions About Monticello, MS

Should investors worry about vacancy in Monticello, MS?

Vacancy risk in Monticello, MS is elevated. That supports stable cash flow for typical rental holds.

How much does a house cost in Monticello, MS?

The median home value in Monticello, MS is roughly $118K. That puts it reasonable relative to the MS statewide average.

Is Monticello, MS a smart market for rental property?

Yes - Monticello, MS a 3.0/5 investability score. With $118K home prices against $756/mo monthly rent, the market delivers a reasonable entry point for new investors.

How do landlord-tenant laws work in Monticello, MS?

The landlord environment in Monticello, MS is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.

What is the best play in Monticello, MS?

The best-fit strategy in Monticello, MS is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.

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