Real Estate Investing in Ackerman, Mississippi (39735)

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

Choctaw County • Population: 3,808 • Data updated: September 2026

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Should you buy in 39735 (Ackerman, MS)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (59/100)

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 (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
3 flags
  • High vacancy: 15.9% of homes vacant — above national norms.
  • Flat appreciation: Values have barely moved over 5 years (0.0% CAGR).
  • 1-year downturn: Values declined 4.8% in the last year.

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

What’s happening in Ackerman, MS (39735)?

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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 $144,374
Avg Monthly Rent $900
1% Rule ✗ Does Not Meet
Median Income $48,984
% Renters 35.9%

Market Analysis: 39735 Ackerman

Not every below-median market is a bargain. Ackerman's 39735 ZIP records signals that favor experienced operators who can absorb the risk $144K pricing implies.

For an experienced owner, 39735 can be a a viable market for hunting ground — but the discount at $144K reflects genuine risk that outside investors often underestimate.

Statewide comparisons place 39735 among MS's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

The demographic picture in 39735 includes headwinds that any investor should price in. Income distribution skews lower than Ackerman averages, and tenant stability requires active management.

Strategy in 39735 is an operator game, not a passive one. On the rental side, entry prices of $144K 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 Ackerman:

C+ Average
Buy Confidence Score: 60/100
Affordability
20/25
Appreciation
10/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.9× the median income
Value Trend
Declining (-4.8%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $900/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.
🏠

Property Strategy for 39735

Which property type performs best in this market?

Best for Cash Flow
2BR
6.9% cap rate
Best for Appreciation
3BR
+1.8% 5yr CAGR
Best Overall Value
3BR
$46,106/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $103,935 $1,000 6.9% $51,968
3BR $138,319 $1,330 6.9% +1.8% $46,106
4BR $223,968 $1,340 4.3% $55,992

Market Trends

Home Value History (with trend line)

$173K$161K$148K$135K$123K$110KFeb 2016May 2021Jul 2026

📊 How Does 39735 Compare?

Metric 39735 Ackerman Mississippi
Home Value $144,374 $144,374 $186,446
5-Year CAGR 0.0% 0.0% 4.0%
Avg Rent $900 $900 -
Cap Rate 4.9% 4.9% -
💡 Why Invest in 39735? Click to expand

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

A healthy rental market with 36% renter-occupied households ensures tenant availability.

📊 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 39735 (Ackerman, MS). Anonymous, moderated, never written by AI.

Do you own or manage rentals in ZIP 39735 (Ackerman, MS)?

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Investability
Good
Cap Rate
4.9%
Fair
5yr Growth
+0.0%
Slow

📊 Market Snapshot

Home Value $144,374
Monthly Rent $900
Price-to-Rent 13.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 7.5%
Cap Rate 4.9%
5-Year IRR 4.9%

📈 Home Appreciation

1-Year -4.8% ▼
3-Year CAGR -5.0% ▼
5-Year CAGR +0.0% ▲
10-Year CAGR +1.6% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.9%). 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
15.9%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+0.0%
Flat
Eviction process: Fast Rent control: Favorable

Demographics in 39735

Population: 3,808

💰 Median Household Income
$48,984
This area
$48,984
State
$48,827
USA
$74,580
🏠 Renter Occupied
35.9%
This area
35.9%
State
27.7%
USA
34.0%
💼 Unemployment Rate
5.0%
This area
5.0%
State
-17.6%
USA
3.7%
🎓 College Educated
18.6%
This area
18.6%
State
-11.7%
USA
33.7%
👤 Median Age
39.8 years
This area
39.8 years
State
10.7 years
USA
38.9 years
🏚️ Vacancy Rate
15.9%
This area
15.9%
State
18.7%
USA
10.5%
👥 Population by Ethnicity
White 67.2%
Black/African American 29.4%
Other/Mixed 3.4%
Hispanic/Latino 1.5%
Asian 0.1%
👶 Under 18
24.4%
This area
24.4%
USA
22.0%
👴 65 and Over
17.5%
This area
17.5%
USA
17.3%
📊 Poverty Rate
17.2%
This area
17.2%
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 39735

A Avg School Grade
3 Schools
11.6:1 Avg Class Size
$19,384 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

ACKERMAN ELEM

📚 Pre-K – 06 School
👥
461 Students
👨‍🏫
11.6:1 Class Size
💰
$19,384 Per Student
A+ Excellent

CHOCTAW COUNTY HIGH SCHOOL

📚 07 – 12 High School
👥
545 Students
👨‍🏫
11.5:1 Class Size
💰
$19,384 Per Student
B Good

CHOCTAW CO VOCATIONAL COMPLEX

📚 07 – 12 High School Limited Data
💰
$19,384 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 approach is best for Ackerman, MS real estate?

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

Is it easy to find good tenants in Ackerman, MS?

Ackerman, MS offers a stable renter base at the $900/mo rent level. Tenant turnover is reasonable for well-managed properties.

What are home prices like in Ackerman, MS?

In Ackerman, MS the median home value sits at $144K. Against the broader MS market, that reads as reasonable for most investors.

Is Ackerman, MS a good market for FHA house hackers?

The house hack math a challenging in Ackerman, MS. Owner-occupant buyers benefit from the $900/mo rents and $144K home values.

Are there empty rentals in Ackerman, MS?

Vacancy risk in Ackerman, MS is elevated. That supports reliable cash flow for typical rental holds.

You know 39735 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 39735 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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