Real Estate Investing in Pinola, Mississippi (39149)

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

Simpson County • Population: 1,080 • Data updated: September 2026

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Should you buy in 39149 (Pinola, 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
2 flags
  • High vacancy: 27.0% of homes vacant — above national norms.
  • Declining values: -1.6% 5-year CAGR — values have moved lower.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Pinola, MS (39149)?

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3.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $144,781
Avg Monthly Rent $837
1% Rule ✗ Does Not Meet
Median Income $40,583
% Renters 15.1%

Market Analysis: 39149 Pinola

Not every below-median market is a bargain. Pinola's 39149 ZIP posts signals that favor experienced operators who can absorb the risk $145K pricing implies.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 39149 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

On balance, 39149 offers a low basis, the region around Pinola has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

Resident income in 39149 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

The 39149 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 Pinola:

C Below Average
Buy Confidence Score: 50/100
Affordability
15/25
Appreciation
5/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.6× the median income
Value Trend
Rising (+6.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $837/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
⚖️
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

Market Trends

Home Value History (with trend line)

$172K$163K$155K$146K$138K$129KFeb 2021Nov 2023Jul 2026

📊 How Does 39149 Compare?

Metric 39149 Pinola Jackson, MS Mississippi
Home Value $144,781 $144,781 N/A $186,446
5-Year CAGR N/A N/A N/A 4.0%
Avg Rent $837 $837 N/A -
Cap Rate 4.5% 4.5% - -
💡 Why Invest in 39149? Click to expand

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

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 39149 (Pinola, MS). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.5%
Fair
5yr Growth
-1.6%
Declining

📉 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 $144,781
Monthly Rent $837
Price-to-Rent 14.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.9%
Cap Rate 4.5%
5-Year IRR 2.9%

📈 Home Appreciation

1-Year +6.6% ▲
3-Year CAGR +2.8% ▲
5-Year CAGR -1.6% ▼
10-Year CAGR N/A

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
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
27.0%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
-1.6%
Flat
Eviction process: Fast Rent control: Favorable

Demographics in 39149

Population: 1,080

💰 Median Household Income
$40,583
This area
$40,583
State
$48,827
USA
$74,580
🏠 Renter Occupied
15.1%
This area
15.1%
State
27.7%
USA
34.0%
💼 Unemployment Rate
6.6%
This area
6.6%
State
-17.6%
USA
3.7%
🎓 College Educated
1.8%
This area
1.8%
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
27.0%
This area
27.0%
State
18.7%
USA
10.5%
👥 Population by Ethnicity
Black/African American 67.4%
White 30.5%
Other/Mixed 2.1%
👶 Under 18
23.2%
This area
23.2%
USA
22.0%
👴 65 and Over
17.7%
This area
17.7%
USA
17.3%
📊 Poverty Rate
6.9%
This area
6.9%
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 39149

B+ Avg School Grade
1 Schools
12.7:1 Avg Class Size
$12,321 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

SIMPSON CENTRAL SCHOOL

📚 K – 08 School
👥
405 Students
👨‍🏫
12.7:1 Class Size
💰
$12,321 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.

Frequently Asked Questions

What price range are homes in Pinola, MS?

Typical homes in Pinola, MS go for around $145K. The 5-year CAGR of 0.0% predictable price movement.

What kind of market is Pinola, MS for investors?

The 3.0/5 investability rating in Pinola, MS reflects its $145K prices and $837/mo rents. Investors generally consider it a solid option within MS.

Are there empty rentals in Pinola, MS?

Expect elevated vacancy in Pinola, MS. Rents at $837/mo are absorbed by the tenant base without meaningful lag.

Is Pinola, MS a friendly market for rental owners?

Landlord-friendliness in Pinola, MS is landlord-friendly. Eviction timelines and lease enforcement are considered reasonable by most property managers.

How strong is the working-renter base in Pinola, MS?

Pinola, MS draws a reliable base of working renters. Demand at the $837/mo rent level is reasonable for standard single-family and small multi rentals.

You know 39149 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 39149 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 39149 ranks in Jackson, MS

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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