Real Estate Investing in Lexington, Mississippi (39095)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 39095 (Lexington, MS)? Our answer, based on the numbers below.
Mixed — values have been flat. OK for long-horizon buyers, less attractive if you may need to sell soon.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- High vacancy: 21.9% of homes vacant — above national norms.
- Declining values: -2.1% 5-year CAGR — values have moved lower.
- Elevated poverty: 24.2% poverty rate — can affect rent collection.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Lexington, MS (39095)?
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Market Analysis: 39095 Lexington
This part of Holmes County is not an easy win. The 39095 ZIP reflects softness in key indicators, and the playbook that works in cleaner markets often stalls here.
The 39095 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
Regionally, 39095 sits on the difficult end of the MS spectrum. The a credible choice for read — for disciplined operators — is that pricing reflects the difficulty.
A sturdy renter share of 33% in 39095 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
The right play in 39095 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.
Here's what matters if you're considering buying a home in Lexington:
Property Strategy for 39095
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $70,397 | $910 | 9.3% | — | $35,198 |
| 3BR | $107,759 | $1,110 | 7.4% | — | $35,920 |
| 4BR | $153,473 | $1,200 | 5.6% | — | $38,368 |
Market Trends
Home Value History (with trend line)
📊 How Does 39095 Compare?
| Metric | 39095 | Lexington | Jackson, MS | Mississippi |
|---|---|---|---|---|
| Home Value | $100,814 | $107,160 | N/A | $186,446 |
| 5-Year CAGR | N/A | N/A | N/A | 4.0% |
| Avg Rent | $819 | $896 | N/A | - |
| Cap Rate | 6.3% | 6.5% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 39095 (Lexington, MS). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $100,814 |
| Monthly Rent | $819 |
| Price-to-Rent | 10.3:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 9.8% |
| Cap Rate | 6.3% |
| 5-Year IRR | 4.3% |
📈 Home Appreciation
| 1-Year | -0.6% ▼ |
| 3-Year CAGR | +2.2% ▲ |
| 5-Year CAGR | -2.1% ▼ |
| 10-Year CAGR | N/A |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) is close to the estimated cap rate (6.3%). Financing this market at current rates produces a cash-on-cash return near the cap rate. Appreciation and tax benefits may still support the investment.
⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 39095
Population: 6,652
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 39095
Schools in This ZIP Code
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Investor Insight: With 2,013 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Should investors worry about vacancy in Lexington, MS?
Rental vacancy in Lexington, MS is elevated. Investors should budget normal turnover but not chronic empty units.
Is rental property easy to operate in Lexington, MS?
Lexington, MS falls under MS landlord-tenant law, which is landlord-friendly. That backdrop makes day-to-day property management reasonable.
How strong is Lexington, MS for real estate investors?
Yes - Lexington, MS a 3.0/5 investability score. With $101K home prices against $819/mo monthly rent, the market delivers a reasonable entry point for new investors.
What does house hacking look like in Lexington, MS?
Lexington, MS is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $101K price point reasonable to enter.
What is the best play in Lexington, MS?
Investors usually favor careful cash-flow rentals with hands-on management in Lexington, MS. With home values at $101K and rents near $819/mo, other strategies can work but produce consistent rather than outsized returns.
You know 39095 now. You don’t know where it ranks.
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How 39095 ranks in Jackson, MS
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