Real Estate Investing in Roxie, Mississippi (39661)

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

Franklin County • Population: 2,641 • Data updated: September 2026

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Should you buy in 39661 (Roxie, MS)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (57/100)

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

📈 For Investors
MIXED
3.0 / 5 (57/100)

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
3 flags
  • High vacancy: 27.3% of homes vacant — above national norms.
  • Declining values: -2.7% 5-year CAGR — values have moved lower.
  • Elevated poverty: 25.1% 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 Roxie, MS (39661)?

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3.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

5.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $126,197
Avg Monthly Rent $1,071
1% Rule ✗ Does Not Meet
Median Income $42,535
% Renters 16.8%

Market Analysis: 39661 Roxie

The 39661 ZIP in Roxie, MS is a local-operator market. Outside capital chasing a $126K entry has to pair deep knowledge with the discount.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 39661 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

Within MS, ZIP 39661 trails on several market indicators that neighboring Franklin County submarkets outperform. The gap is real and notable enough to shape underwriting.

Resident income in 39661 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

Strategy in 39661 is an operator game, not a passive one. Put differently, entry prices of $126K are inviting, the management lift is real and non-optional.

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 Roxie:

D Needs Caution
Buy Confidence Score: 48/100
Affordability
20/25
Appreciation
0/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Affordable
Homes cost 3× the median income
Value Trend
Declining (-0.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,071/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
☀️
WARM MARKET
Natchez, MS-LA Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
4.2%
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 Natchez, MS-LA metro data

Market Trends

Home Value History (with trend line)

$161K$152K$143K$134K$125K$116KJan 2016May 2021Jul 2026

📊 How Does 39661 Compare?

Metric 39661 Roxie Natchez, MS-LA Mississippi
Home Value $126,197 $126,197 N/A $186,446
5-Year CAGR N/A N/A N/A 4.0%
Avg Rent $1,071 $1,071 N/A -
Cap Rate 6.6% 6.6% - -
💡 Why Invest in 39661? 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 39661 (Roxie, MS). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
6.6%
Good
5yr Growth
-2.7%
Declining

📊 Market Snapshot

Home Value $126,197
Monthly Rent $1,071
Price-to-Rent 9.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 10.2%
Cap Rate 6.6%
5-Year IRR 4.0%

📈 Home Appreciation

1-Year -0.2% ▼
3-Year CAGR -1.3% ▼
5-Year CAGR -2.7% ▼
10-Year CAGR +0.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Neutral Leverage Cap Rate: 6.6%  |  30yr Rate: 6.8%
Leverage is roughly neutral here.

The current 30-yr mortgage rate (6.8%) is close to the estimated cap rate (6.6%). 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.

Vacancy
27.3%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
-2.7%
Declining
Eviction process: Fast Rent control: Favorable

Demographics in 39661

Population: 2,641

💰 Median Household Income
$42,535
This area
$42,535
State
$48,827
USA
$74,580
🏠 Renter Occupied
16.8%
This area
16.8%
State
27.7%
USA
34.0%
💼 Unemployment Rate
2.8%
This area
2.8%
State
-17.6%
USA
3.7%
🎓 College Educated
11.2%
This area
11.2%
State
-11.7%
USA
33.7%
👤 Median Age
43.2 years
This area
43.2 years
State
10.7 years
USA
38.9 years
🏚️ Vacancy Rate
27.3%
This area
27.3%
State
18.7%
USA
10.5%
👥 Population by Ethnicity
White 65.5%
Black/African American 34.4%
Other/Mixed 0.1%
👶 Under 18
21.0%
This area
21.0%
USA
22.0%
👴 65 and Over
16.5%
This area
16.5%
USA
17.3%
📊 Poverty Rate
25.1%
This area
25.1%
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

Frequently Asked Questions

Where do home prices stand in Roxie, MS?

In Roxie, MS the median home value sits at $126K. Against the broader MS market, that reads as reasonable for most investors.

What type of investing works in Roxie, MS?

For Roxie, MS, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.

What is the typical renter like in Roxie, MS?

The tenant pool in Roxie, MS is solid, supported by local employment and population fundamentals. Rents of $1,071/mo are well-absorbed by the market.

What does house hacking look like in Roxie, MS?

Roxie, MS is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $126K price point reasonable to enter.

Is Roxie, MS good for landlords?

The landlord environment in Roxie, MS is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.

You know 39661 now. You don’t know where it ranks.

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How 39661 ranks in Natchez, MS-LA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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