Utica, MS—39175
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Utica, MS
Home Price Trends — Utica, MS
As of Oct '25, the median home price in Utica, MS is $114,000, with a year-over-year change of -0.4%. This indicates that home prices in Utica, MS are flat. According to Zillow, the 1-year price projection is -1.3%, suggesting a decrease housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $114,000 | -0.4% |
| Single Family | $114,000 | 0.0% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | $154,000 | 6.2% |
4 Bed | $286,000 | 5.9% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Utica, MS
As of July '25, Rentcast reports the average rent in Utica, MS is $1,320, with a year-over-year rent change of 10.0%. Per bedroom, the median rent as of July '25 in Utica, MS is 3-bedrooms: $1,320. The most common rental property sizes in Utica, MS are 3-bedroom and 2-bedroom, accounting for 83.6% and 12.7% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,200 | $1,320 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $1,200 | $1,320 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Utica, MS
As of Oct '25, Realtor.com reports that the median days on market for a home in Utica, MS is 76. This is a decrease of -46.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $271,000 | -3.0% |
Listing Count | 8 | -26.0% |
| Listings as % of Homes | 0.3% | -26.0% |
Days on Market | 76 | -46.0% |
Demographics — Utica, MS
As of the latest ACS Survey released in 2023, Utica, MS has a population of 4,080, which has decreased by -5.2% over the past 5 years. Utica, MS is a moderately popular place for families, as children make up 17.9% of the population. The area has a poorly educated workforce, with 15.9% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 0.3% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,080 | -5.2% |
% Under 18 | 17.9% | 17.8% |
% Seniors | 24.2% | -8.0% |
% WFH | 0.3% | -85.7% |
% w/ College Degree | 15.9% | -5.9% |
As of the latest ACS Survey released in 2023, Utica, MS is a predominantly black area, with 62.8% of the population identifying as black. The black population has grown by 3.8% in the last 5 years. The second most common race or ethnicity in Utica, MS is white, making up 34.5% of the population. Foreign-born residents account for 0.2% of the population in Utica, MS, and this percentage has decreased by 87.5% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 34.5% | -5.5% |
% Black | 62.8% | 3.8% |
% Hispanic | 0.1% | -92.3% |
% Asian | 0.0% | N/A |
% Foreign Born | 0.2% | -87.5% |
Mortgage and Risk — Utica, MS
According to HUD data as of 2023, there were 39 mortgage originations in Utica, MS, of which 77.0% of loans were conventional mortgages. The average loan-to-value was 79.0%, with 44.0% above 90% LTV (very high). This implies large mortgage risk in Utica, MS. Investor activity is low, as 8.0% of loans were by investors. 10.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 39 |
% Conventional Loans | 77.0% |
% Government Loans | 23.0% |
% Investor Loans | 8.0% |
% Second Loans | 3.0% |
% Cash Out Refinance | 10.0% |
Loan Activity
Rentals and Section 8 — Utica, MS
Utica, MS lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 1 |
Total Units Section 8 | 1 |
% Rentals under Section 8 | 0.5% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $800 |
| 2 Bedroom | N/A | N/A | $930 |
| 3 Bedroom | -$80 | $1,200 | $1,120 |
| 4 Bedroom | N/A | N/A | $1,240 |
Affordability — Utica, MS
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.9 |
| Median Home Price | $114,000 |
| Median Household Income | $46,400 |