Real Estate Investing in Madison, Mississippi (39110)

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

Madison County • Population: 47,717 • Data updated: September 2026

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Should you buy in 39110 (Madison, MS)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (75/100)

Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.

📈 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
CLEAN

No major risk flags on the data we track.

What’s happening in Madison, MS (39110)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $413,710
Avg Monthly Rent $2,373
1% Rule ✗ Does Not Meet
Median Income $123,606
% Renters 6.4%

Market Analysis: 39110 Madison

Not every below-median market is a bargain. Madison's 39110 ZIP shows signals that favor experienced operators who can absorb the risk $414K pricing implies.

For an experienced owner, 39110 can be a a solid fit for hunting ground — but the discount at $414K reflects genuine risk that outside investors often underestimate.

Regionally, 39110 sits on the difficult end of the MS spectrum. The a viable market for read — for disciplined operators — is that pricing reflects the difficulty.

Resident income in 39110 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

The 39110 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Madison:

B Good
Buy Confidence Score: 74/100
Affordability
20/25
Appreciation
18/25
Stability
13/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.3× the median income
Value Trend
Stable (+1.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,373/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
BALANCED MARKET
Jackson, MS Metro Area
Even conditions for buyers and sellers
53 days
Average time to sell
Average
7.7%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Jackson, MS metro data
🏠

Property Strategy for 39110

Which property type performs best in this market?

Best for Cash Flow
3BR
5.6% cap rate
Best for Appreciation
2BR
+8.2% 5yr CAGR
Best Overall Value
3BR
$99,608/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $262,888 $1,930 5.3% +8.2% $131,444
3BR $298,825 $2,310 5.6% +6.9% $99,608
4BR $448,648 $2,560 4.1% +6.1% $112,162
5BR $651,924 +6.3% $130,385

Market Trends

Home Value History (with trend line)

$429K$392K$356K$320K$284K$248KJan 2009Oct 2017Jul 2026

Rent History (with trend line)

$2,414$2,314$2,214$2,113$2,013$1,913Jun 2022Jul 2024Jul 2026

📊 How Does 39110 Compare?

Metric 39110 Madison Jackson, MS Mississippi
Home Value $413,710 $413,710 N/A $186,446
5-Year CAGR 4.5% 4.5% N/A 4.0%
Avg Rent $2,373 $2,373 N/A -
Cap Rate 4.5% 4.5% - -
💡 Why Invest in 39110? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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 ZIP 39110 (Madison, MS). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.5%
Fair
5yr Growth
+4.5%
Moderate

📉 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 →

📊 Market Snapshot

Home Value $413,710
Monthly Rent $2,373
Price-to-Rent 14.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.9%
Cap Rate 4.5%
5-Year IRR 8.9%

📈 Home Appreciation

1-Year +1.6% ▲
3-Year CAGR +1.4% ▲
5-Year CAGR +4.5% ▲
10-Year CAGR +3.7% ▲

🏠 Rent Trends

1-Year +4.5% ▲
3-Year CAGR +3.8% ▲
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.5%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.5%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
5.3%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.5%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 39110

Population: 47,717

💰 Median Household Income
$123,606
This area
$123,606
State
$48,827
USA
$74,580
🏠 Renter Occupied
6.4%
This area
6.4%
State
27.7%
USA
34.0%
💼 Unemployment Rate
1.3%
This area
1.3%
State
-17.6%
USA
3.7%
🎓 College Educated
65.6%
This area
65.6%
State
-11.7%
USA
33.7%
👤 Median Age
40.0 years
This area
40.0 years
State
10.7 years
USA
38.9 years
🏚️ Vacancy Rate
5.3%
This area
5.3%
State
18.7%
USA
10.5%
👥 Population by Ethnicity
White 76.4%
Black/African American 16.5%
Asian 4.3%
Other/Mixed 2.7%
Hispanic/Latino 1.5%
👶 Under 18
26.9%
This area
26.9%
USA
22.0%
👴 65 and Over
13.4%
This area
13.4%
USA
17.3%
📊 Poverty Rate
2.2%
This area
2.2%
USA
11.5%

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 39110

B Avg School Grade
12 Schools
13.7:1 Avg Class Size
$11,926 Avg Per Pupil

Schools in This ZIP Code

A Very Good

MADISON AVENUE LOWER ELEMENTARY

📚 K – 02 Elementary
👥
407 Students
👨‍🏫
11.0:1 Class Size
💰
$11,926 Per Student
B+ Above Average

MADISON AVENUE UPPER ELEMENTARY

📚 03 – 05 Elementary
👥
476 Students
👨‍🏫
14.3:1 Class Size
💰
$11,926 Per Student
B+ Above Average

MANNSDALE ELEMENTARY

📚 K – 02 Elementary
👥
603 Students
👨‍🏫
13.2:1 Class Size
💰
$11,926 Per Student
B+ Above Average

MANNSDALE UPPER ELEMENTARY

📚 03 – 05 Elementary
👥
585 Students
👨‍🏫
14.5:1 Class Size
💰
$11,926 Per Student
B+ Above Average

ROSA SCOTT SCHOOL

📚 Grade 09 High School
👥
415 Students
👨‍🏫
12.5:1 Class Size
💰
$11,926 Per Student
B+ Above Average

MADISON MIDDLE SCHOOL

📚 06 – 08 Middle
👥
1,146 Students
👨‍🏫
11.9:1 Class Size
💰
$11,926 Per Student
B Good

MADISON CENTRAL HIGH SCHOOL

📚 10 – 12 High School
👥
1,254 Students
👨‍🏫
14.2:1 Class Size
💰
$11,926 Per Student
B Good

MADISON STATION ELEMENTARY SCHOOL

📚 K – 05 Elementary
👥
1,014 Students
👨‍🏫
13.8:1 Class Size
💰
$11,926 Per Student
B Good

GERMANTOWN HIGH SCHOOL

📚 09 – 12 High School
👥
1,389 Students
👨‍🏫
16.0:1 Class Size
💰
$11,926 Per Student
B Good

GERMANTOWN MIDDLE SCHOOL

📚 06 – 08 Middle
👥
1,033 Students
👨‍🏫
15.2:1 Class Size
💰
$11,926 Per Student
C+ Average

MADISON CO VOC COMPLEX

📚 09 – 12 High School Limited Data
💰
$11,926 Per Student
C Below Average

MADISON CO. ALTERNATIVE SCHOOL

📚 01 – 12 K-12 Limited Data
💰
$11,926 Per Student
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

8 Nearby
C+
Tougaloo College
725 students · 7.1 mi
D
Wesley Biblical Seminary
163 students · 7.3 mi
C
Academy of Hair Design-Jackson
77 students · 8.8 mi
D
Board of Trustees-Mississippi State Institutions of Higher Learning
0 students · 11.4 mi
D
Mississippi Community College Board
0 students · 11.4 mi
C+
Millsaps College
626 students · 12.7 mi
C+
Belhaven University
3,616 students · 12.9 mi
D
Strayer University-Mississippi
422 students · 14.3 mi

Frequently Asked Questions

Are there empty rentals in Madison, MS?

Expect elevated vacancy in Madison, MS. Rents at $2,373/mo are absorbed by the tenant base without meaningful lag.

What is the average monthly rent in Madison, MS?

Average rent in Madison, MS is approximately $2,373/mo per month. Against $414K home values that yields a reasonable rent-to-price ratio.

Is Madison, MS landlord-friendly?

Madison, MS operates under MS law, which is landlord-friendly overall for landlords. Expect steady treatment in typical lease and eviction cases.

How do experienced investors play Madison, MS?

Most investors in Madison, MS run a careful cash-flow rentals with hands-on management strategy. It aligns with the 3.0/5 investability profile and the market fundamentals.

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

The 3.0/5 investability rating in Madison, MS reflects its $414K prices and $2,373/mo rents. Investors generally consider it a solid option within MS.

You know 39110 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 39110 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 39110 ranks in Jackson, MS

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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