Real Estate Investing in Utica, Mississippi

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

2 ZIP codes • Population: 5,815 • Hinds County

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

🏠 For Homebuyers
CAUTION
Grade D (49/100)

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: 31.6% of homes vacant — above national norms.
  • Declining values: -3.4% 5-year CAGR — values have moved lower.
  • Elevated poverty: 20.6% poverty rate — can affect rent collection.
  • Lower household income: $34,923 median — tenant affordability is tighter.

What’s happening in Utica, 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: 6.76% as of Sep 10 Source: Freddie Mac PMMS
Avg Investability
Avg Home Value $123,181
Avg Monthly Rent $905
ZIP Codes 2

Investing in Utica Real Estate

Across Utica's 2 ZIPs, the picture is muted: $123K median values, $905/mo rents, and a population that has faced real economic pressure.

The investment case for Utica is difficult to make on screen data alone. a harder case for a 3.0 rating and a cap rate of 0.0% that looks fine only until you underwrite the vacancy.

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

The 0% renter share in Utica masks uneven tenant quality across ZIPs, and $N/AK median income leaves little cushion against economic shocks.

A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Best ZIP codes in Jackson, MS

Utica is part of this metro. Every ZIP in it, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →

Landlord Ground Truth

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Avg Home Value
$123,181
Avg Monthly Rent
$905
1% Rule
✗ Below
Landlord Friendly (MS)

📉 Market Crash Risk Index

Based on Jackson, MS metro

3/10
Moderate Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
62%
Days Pending
1/2
53 days

View all metro crash risk rankings →

⚖️ Balanced Market — Jackson, MS metro
53
Days to pending
7.7%
Listings with price cuts
0.0%
Sale-to-list ratio
📅 Data as of August 29, 2026 — updated weekly

ZIP Codes in Utica, MS

Screen every ZIP in Utica

Filter Utica’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 Utica, MS

What price range are homes in Utica, MS?

In Utica, MS the median home value sits at $123K. Against the broader MS market, that reads as reasonable for most investors.

Is Utica, MS a good market for buy-and-hold investors?

Utica, MS scores 3.0/5 for investability. Home values sit at $123K and rents near $905/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.

How strong is tenant demand in Utica, MS?

The tenant pool in Utica, MS is solid, supported by local employment and population fundamentals. Rents of $905/mo are well-absorbed by the market.

How landlord-friendly is Utica, MS?

MS ranks as a landlord-friendly state for landlord-tenant law. Utica generally follows the statewide framework, so landlords face reasonable operating rules.

What are rental rates like in Utica, MS?

Rents in Utica, MS run near $905/mo. Compared with median home prices of $123K that produces solid gross yields for typical rentals.

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