Utica, MS—39086
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Utica, MS
Home Price Trends — Utica, MS
Utica, MS lacks sufficient home price data for analysis.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $118,000 | -8.7% |
| Single Family | $118,000 | -10.6% |
| 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 | N/A | N/A |
4 Bed | N/A | N/A |
| 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 $900, with a year-over-year rent change of 5.9%. Per bedroom, the median rent as of July '25 in Utica, MS is 2-bedrooms: $900. The most common rental property sizes in Utica, MS are 3-bedroom and 1-bedroom, accounting for 68.4% and 22.8% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $900 | $900 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $900 | $900 |
| 3 Bed Rent | N/A | N/A |
| 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 91. This is a decrease of -15.0% 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 | $83,000 | -40.0% |
Listing Count | 2 | 50.0% |
| Listings as % of Homes | 0.3% | 50.0% |
Days on Market | 91 | -15.0% |
Demographics — Utica, MS
As of the latest ACS Survey released in 2023, Utica, MS has a population of 1,740, which has increased by 36.4% over the past 5 years. Utica, MS is a moderately popular place for families, as children make up 22.4% of the population. The area has a poorly educated workforce, with 15.1% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 11.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 1,740 | 36.4% |
% Under 18 | 22.4% | -2.6% |
% Seniors | 17.1% | 12.5% |
% WFH | 11.2% | ∞% |
% w/ College Degree | 15.1% | -37.9% |
As of the latest ACS Survey released in 2023, Utica, MS is a predominantly black area, with 83.4% of the population identifying as black. The black population has shrunk by 14.5% in the last 5 years. The second most common race or ethnicity in Utica, MS is white, making up 10.4% of the population. Foreign-born residents account for 0.7% of the population in Utica, MS, and this percentage has increased by Inf% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 10.4% | 550.0% |
% Black | 83.4% | -14.5% |
% Hispanic | 0.0% | N/A |
% Asian | 0.7% | ∞% |
% Foreign Born | 0.7% | ∞% |
Mortgage and Risk — Utica, MS
According to HUD data as of 2023, there were 29 mortgage originations in Utica, MS, of which 83.0% of loans were conventional mortgages. The average loan-to-value was 82.0%, with 41.0% above 90% LTV (very high). This implies large mortgage risk in Utica, MS. Investor activity is low, as 3.0% of loans were by investors. 3.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 29 |
% Conventional Loans | 83.0% |
% Government Loans | 17.0% |
% Investor Loans | 3.0% |
% Second Loans | 3.0% |
% Cash Out Refinance | 3.0% |
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 | 6 |
Total Units Section 8 | 6 |
% Rentals under Section 8 | 2.6% |
% 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 | $50 | $900 | $950 |
| 3 Bedroom | N/A | N/A | $1,160 |
| 4 Bedroom | N/A | N/A | $1,260 |
Affordability — Utica, MS
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.8 |
| Median Home Price | $118,000 |
| Median Household Income | $30,000 |