Real Estate Investing in Utica, Mississippi (39175)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 39175 (Utica, 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: 28.3% of homes vacant — above national norms.
- Declining values: -1.9% 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 Utica, MS (39175)?
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Market Analysis: 39175 Utica
The 39175 ZIP covers a section of Utica that demands careful diligence. Prices near $120K look accessible, but the work to make a deal cash flow is real.
From a cash-flow lens, the numbers look inviting — $120K purchase price, 0.0% nominal cap — the work to hit that pro forma in 39175 is substantial and deserves full respect.
Regionally, 39175 sits on the difficult end of the MS spectrum. The a credible choice for read — for disciplined operators — is that pricing reflects the difficulty.
Demographically, 39175 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.
Strategically, 39175 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.
Here's what matters if you're considering buying a home in Utica:
Property Strategy for 39175
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 3BR | $154,240 | $1,290 | 6.0% | +5.0% | $51,413 |
| 4BR | $286,454 | $1,420 | 3.6% | — | $71,613 |
Market Trends
Home Value History (with trend line)
📊 How Does 39175 Compare?
| Metric | 39175 | Utica | Jackson, MS | Mississippi |
|---|---|---|---|---|
| Home Value | $120,432 | $123,181 | N/A | $186,446 |
| 5-Year CAGR | N/A | N/A | N/A | 4.0% |
| Avg Rent | $963 | $905 | N/A | - |
| Cap Rate | 6.2% | 5.7% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 39175 (Utica, MS). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $120,432 |
| Monthly Rent | $963 |
| Price-to-Rent | 10.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 9.6% |
| Cap Rate | 6.2% |
| 5-Year IRR | 4.4% |
📈 Home Appreciation
| 1-Year | +3.6% ▲ |
| 3-Year CAGR | -1.5% ▼ |
| 5-Year CAGR | -1.9% ▼ |
| 10-Year CAGR | +1.6% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (6.2%). 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.
Demographics in 39175
Population: 4,079
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 39175
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.
Frequently Asked Questions
Is Utica in MS worth investing in?
With a 3.0/5 investability score, Utica, MS ranks as a solid market for rental property investors. Median prices of $120K and rents of $963/mo drive the underlying numbers.
What approach is best for Utica, MS real estate?
In Utica, MS the sturdy play is typically careful cash-flow rentals with hands-on management. The combination of $120K prices and $963/mo rents suits that approach.
How much is rent in Utica, MS?
The typical rental in Utica, MS commands about $963/mo monthly. That rent profile predictable cash flow against the $120K purchase basis.
How do home values compare in Utica, MS?
Utica, MS median home values land near $120K. That is reasonable territory for investors looking at $963/mo-per-month rentals.
How high is vacancy risk in Utica, MS?
Occupancy in Utica, MS runs consistent with elevated vacancy. Well-priced units at $963/mo lease on reasonable timelines.
You know 39175 now. You don’t know where it ranks.
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How 39175 ranks in Jackson, MS
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