Utica, MS 39175 - Home Prices, Rental Trends, Listings & Demographics | Prop:Metrics

Utica, MS—39175

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value

$119,000

0.7% YoY Growth

Household Income

$46,400

48.4% YoY Growth

Days on Market

22.0% Shorter YoY

Home Price Forecast

0.6%

Median Rent

$1,200

10.0% YoY Growth

1-Bed Rent

N/A

2-Bed Rent

N/A

3-Bed Rent

$1,200

10.0% YoY Growth

Other Zip Codes in Utica, MS

39086

Home Price Trends — Utica, MS

As of Dec '25, the median home price in Utica, MS is $119,000, with a year-over-year change of -0.7%. This indicates that home prices in Utica, MS are flat. According to Zillow, the 1-year price projection is 0.6%, suggesting a relatively flat housing market in the next year.

Cost per Home Type

Home Type	Median Home Value	YoY % Change
All Homes	$119,000	-0.7%
Single Family	$119,000	-1.7%
Condos	N/A	N/A

Cost per Home Size

Home Size	Median Home Value	YoY % Change
1 Bed

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

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% of Rental Stock

1 Bedroom

1.4%

2 Bedrooms

12.7%

3 Bedrooms

83.6%

4 Bedrooms

2.3%

Property Listings — Utica, MS

As of Dec '25, Realtor.com reports that the median days on market for a home in Utica, MS is 104. This is a decrease of -34.0% 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	$275,000	7.0%
Listing Count	8	-39.0%
Listings as % of Homes	0.3%	-39.0%
Days on Market	76	-22.0%

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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%

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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%

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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%

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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

Utica, MS—39175

Key Metrics at a Glance

Other Zip Codes in Utica, MS

Home Price Trends — Utica, MS

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Utica, MS

% of Rental Stock

Property Listings — Utica, MS

Demographics — Utica, MS

Race and Ethnicity

Mortgage and Risk — Utica, MS

Mortgages

Rentals and Section 8 — Utica, MS

Section 8 Market Size

Section 8 Opportunity

Affordability — Utica, MS

Home Price to Income Ratio

Utica, MS — ZIP Code Boundary Map

Nearby ZIP Codes

Utica, MS

Edwards, MS

Fairchilds Crossroads, MS

Terry, MS

Crystal Springs, MS

Frequently Asked Questions

Metric	Zip Code Average
Home Price to Income Ratio	3
Median Home Price	$119,000
Median Household Income	$46,400

Utica, MS—39175

Key Metrics at a Glance

Other Zip Codes in Utica, MS

Home Price Trends — Utica, MS

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Utica, MS

% of Rental Stock

Property Listings — Utica, MS

Demographics — Utica, MS

Race and Ethnicity

Mortgage and Risk — Utica, MS

Mortgages

Rentals and Section 8 — Utica, MS

Section 8 Market Size

Section 8 Opportunity

Affordability — Utica, MS

Home Price to Income Ratio

Utica, MS — ZIP Code Boundary Map

Nearby ZIP Codes

Utica, MS

Edwards, MS

Fairchilds Crossroads, MS

Terry, MS

Crystal Springs, MS

Frequently Asked Questions

What is the average home price in Utica, MS 39175?

How have home prices in Utica, MS 39175 changed over the past year?

What is the home price projection for Utica, MS 39175?

What are the demographics of Utica, MS 39175?

How long does it take homes to sell in Utica, MS 39175?

What is the average rent price in Utica, MS 39175?