Real Estate Investing in Yazoo City, Mississippi (39194)

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

Yazoo County • Population: 19,699 • Data updated: September 2026

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Should you buy in 39194 (Yazoo City, MS)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (61/100)

Mixed — values have been flat. OK for long-horizon buyers, less attractive if you may need to sell soon.

📈 For Investors
STRONG
4.0 / 5 (81/100)

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: 15.0% of homes vacant — above national norms.
  • Declining values: -0.7% 5-year CAGR — values have moved lower.
  • Elevated poverty: 26.5% poverty rate — can affect rent collection.
  • Lower household income: $35,754 median — tenant affordability is tighter.

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

What’s happening in Yazoo City, MS (39194)?

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4.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

5.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $84,630
Avg Monthly Rent $864
1% Rule ✓ Meets
Median Income $35,754
% Renters 50.3%

Market Analysis: 39194 Yazoo City

Within Yazoo County, the 39194 ZIP registers a lower entry point around $85K. In practical terms, operators who can improve stock here typically see outsized uplift.

Value-add is the defining thesis in 39194. Homes trade near $85K, well below the state median, and rehabbed comps tend to clear meaningfully higher — a classic forced-equity setup.

Comparing Yazoo City submarkets, ZIP 39194 offers an entry cost that most surrounding neighborhoods have moved past. The resilient delta is the opportunity.

Demographically, 39194 is a working ZIP — not a luxury market. That profile is exactly what value-add operators need in order to price their renovated product correctly.

Flippers with local expertise can do well in 39194. Out-of-state investors should partner with boots-on-the-ground operators or skip the ZIP entirely.

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 Yazoo City:

C+ Average
Buy Confidence Score: 64/100
Affordability
25/25
Appreciation
5/25
Stability
11/20
Timing
8/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.4× the median income
Value Trend
Stable (+2.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $864/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 39194

Which property type performs best in this market?

Best for Cash Flow
3BR
6.4% cap rate
Best for Appreciation
3BR
+5.5% 5yr CAGR
Best Overall Value
3BR
$44,345/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
3BR $133,034 $1,180 6.4% +5.5% $44,345
4BR $215,527 $1,270 4.2% +5.4% $53,882

Market Trends

Home Value History (with trend line)

$104K$97K$91K$84K$77K$71KJul 2006Jul 2016Jul 2026

📊 How Does 39194 Compare?

Metric 39194 Yazoo City Jackson, MS Mississippi
Home Value $84,630 $84,630 N/A $186,446
5-Year CAGR N/A N/A N/A 4.0%
Avg Rent $864 $864 N/A -
Cap Rate 8.0% 8.0% - -
💡 Why Invest in 39194? Click to expand

This ZIP code meets the 1% rule with rent at $864/mo on homes averaging $84,630 — a strong indicator of cash flow potential.

Our analysis gives this area a 4/5 investability rating, placing it in the top tier for rental property potential.

50% of households rent in this area, creating consistent tenant demand for landlords.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 39194 (Yazoo City, MS). Anonymous, moderated, never written by AI.

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Investability
Excellent
Cap Rate
8.0%
Good
5yr Growth
-0.7%
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 $84,630
Monthly Rent $864
Price-to-Rent 8.2:1
1% Rule ✓ Passes

💰 Return Metrics

Gross Yield 12.3%
Cap Rate 8.0%
5-Year IRR 7.2%

📈 Home Appreciation

1-Year +2.9% ▲
3-Year CAGR +1.3% ▲
5-Year CAGR -0.7% ▼
10-Year CAGR -1.3% ▼

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Positive Leverage Market Cap Rate: 8.0%  |  30yr Rate: 6.8%
Leverage may enhance returns here.

The estimated cap rate (8.0%) exceeds the current 30-yr mortgage rate (6.8%). When borrowing costs less than a property yields, leverage can increase your cash-on-cash return above the cap rate.

⚠️ Risk Signals

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

Vacancy
15.0%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
-0.7%
Flat
Eviction process: Fast Rent control: Favorable

Demographics in 39194

Population: 19,699

💰 Median Household Income
$35,754
This area
$35,754
State
$48,827
USA
$74,580
🏠 Renter Occupied
50.3%
This area
50.3%
State
27.7%
USA
34.0%
💼 Unemployment Rate
5.6%
This area
5.6%
State
-17.6%
USA
3.7%
🎓 College Educated
10.2%
This area
10.2%
State
-11.7%
USA
33.7%
👤 Median Age
37.2 years
This area
37.2 years
State
10.7 years
USA
38.9 years
🏚️ Vacancy Rate
15.0%
This area
15.0%
State
18.7%
USA
10.5%
👥 Population by Ethnicity
Black/African American 68.8%
White 29.5%
Other/Mixed 1.6%
Hispanic/Latino 0.6%
Asian 0.1%
👶 Under 18
20.8%
This area
20.8%
USA
22.0%
👴 65 and Over
11.9%
This area
11.9%
USA
17.3%
📊 Poverty Rate
26.5%
This area
26.5%
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 39194

B Avg School Grade
7 Schools
15.5:1 Avg Class Size
$12,231 Avg Per Pupil

Schools in This ZIP Code

A Very Good

YAZOO COUNTY HIGH SCHOOL

📚 09 – 12 High School
👥
417 Students
👨‍🏫
11.3:1 Class Size
💰
$15,167 Per Student
A Very Good

YAZOO COUNTY MIDDLE SCHOOL

📚 06 – 08 Middle
👥
275 Students
👨‍🏫
10.8:1 Class Size
💰
$15,167 Per Student
B Good

YAZOO CITY HIGH SCHOOL

📚 09 – 12 High School
👥
537 Students
👨‍🏫
18.0:1 Class Size
💰
$11,057 Per Student
B Good

MCCOY ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
👥
882 Students
👨‍🏫
15.2:1 Class Size
💰
$11,057 Per Student
C+ Average

BETTIE E WOOLFOLK MIDDLE SCHOOL

📚 06 – 08 Middle
👥
469 Students
👨‍🏫
22.3:1 Class Size
💰
$11,057 Per Student
C+ Average

YAZOO CITY VOC COMPLEX

📚 10 – 12 High School Limited Data
💰
$11,057 Per Student
C Below Average

ALTERNATIVE LEARNING CENTER

📚 03 – 12 High School Limited Data
💰
$11,057 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

How close is Yazoo City, MS to meeting the 1% rule?

Hitting the 1% rule in Yazoo City, MS is realistic given the 1.02% average rent-to-price. Most value-add properties push well above that line.

Are there BRRRR deals in Yazoo City, MS?

Investors running BRRRR in Yazoo City, MS see a strong outcomes. Deal flow and rehab execution matter more than the macro here.

What is the typical home price in Yazoo City, MS?

The median home value in Yazoo City, MS is roughly $85K. That puts it reasonable relative to the MS statewide average.

What is the smart move for investors in Yazoo City, MS?

Investors usually favor value-add and BRRRR deals in Yazoo City, MS. With home values at $85K and rents near $864/mo, other strategies can work but produce even-keeled rather than outsized returns.

Are rents high in Yazoo City, MS?

Rental rates in Yazoo City, MS average $864/mo. Tenant demand and $85K home values make the yield look reasonable by investor standards.

You know 39194 now. You don’t know where it ranks.

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How 39194 ranks in Jackson, MS

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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