522 Taylor St · Jackson, MS 39216

$150,000

3 bd · 1.0 ba · 1,253 sqft · SingleFamily public records · 139 Days on market

Built 1938 7,840 sqft lot $120/sqft · 7% below area Est $161k · 7% under

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Why this score? — see what drove the C- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +20.6/30.0
• ARV discount +10.6/15.0
• DSCR +6.5/10.0
• 1% rule +5.2/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.1/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

:Welcome to 522 Taylor St, a charming ingle-family home nestled in the heart of Jackson, MS. This historic property was built in 1938 and exudes character and charm from the moment you arrive. With 1 bathroom and a generous 1,253 sq.ft. of finished living space, this home offers plenty of room to relax and entertain. As you step inside, you'll be greeted by a bright and airy living area that is perfect for relaxing after a long day. The kitchen boasts ample cabinet space and modern appliances, making meal prep a breeze. The bathroom is spacious and features a tub/shower combination, perfect for unwinding with a hot bath at the end of the day. This property sits on a sizable lot measuring 0.18 acres, providing plenty of outdoor space for gardening, entertaining, or simply enjoying the fresh air. The backyard is a private, with plenty of room for outdoor furniture and a barbecue grill, making it the ideal spot for hosting summer gatherings with friends and family. Located in a prime location in Jackson, MS, this home is conveniently situated near shopping, dining, and entertainment options. With easy access to major highways and public transportation, commuting to work or exploring the city is a breeze. Plus, the neighborhood is known for its friendly community atmosphere, making it a wonderful place to call home. Don't miss your chance to own this historic gem in Jackson, MS. With its timeless charm, spacious living areas, and convenient location, this property is sure to impress. Schedule a showing today and come see all that 522 Taylor St has to offer. Option to purchase fully furnished.

Key facts

• Private backyard
• Modern appliances
• Spacious bathroom

Tags

• AMPLE CABINET SPACE
• MODERN APPLIANCES
• SPACIOUS BATHROOM
• TUB SHOWER COMBINATION
• SIZABLE LOT
• PRIVATE BACKYARD

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $200 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $150k).
• Recommended offer: $132k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.9% vs local median 9.9% in Jackson — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.

Location & tenants

• Location reads 68/100 on livability (#66 in MS) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: schools F, amenities F, employment F.
• Jackson Public School District (urban): math 9% / reading 18% proficiency, ranked #112 of 130 in MS (top 86%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 88% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 42 active listings in the ZIP; 19 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 167 units permitted in Hinds County in 2024 (0 in 5+ unit buildings).
• This rent runs 42% of the median local income ($44k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Hinds County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 139 days — a 12% lower offer ($132k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 5y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

• Watch-outs: built in 1938 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 78% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $132,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 139 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1938 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.02% ✓
• Cap rate: 7.89%
• Cash-on-cash: 5.71%
• DSCR: 1.25
• GRM: 8.1

CMA / ARV

• ARV (median comp): $161,056
• List price: $150,000
• Delta: -6.86%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
535 Hartfield St	0.30mi	2/1.0 (-1)	1,212 (-3%)	2mo	$165,000	$136	74
3403 Galloway Ave	0.45mi	2/1.0 (-1)	1,280 (+2%)	2mo	$155,000	$121	69
417 Dunbar St	0.50mi	3/2.0	1,362 (+9%)	2mo	$174,900	$128	57
310 Hartfield St	0.34mi	3/2.0	1,150 (-8%)	12mo	$98,000	$85	57
309 Dunbar St	0.44mi	3/1.0	1,381 (+10%)	8mo	$15,000	$11	55
3072 Downing St	0.33mi	3/2.0	1,371 (+9%)	16mo	$125,000	$91	52
3056 Oxford Ave	0.27mi	3/2.0	1,440 (+15%)	20mo	$149,999	$104	42
540 Woodland Hills Pl	0.67mi	2/2.5 (-1)	1,321 (+5%)	10mo	$84,900	$64	41
404 Downing St	0.61mi	4/2.0 (+1)	1,428 (+14%)	1mo	$185,000	$130	38

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -7.5%
• Equity multiple: 0.72×
• Total profit: $-11,578
• Equity at exit: $22,365

10-year hold

• IRR: 2.1%
• Equity multiple: 1.15×
• Total profit: $6,334
• Equity at exit: $12,969

Cash invested: $42,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 90 Strongly Landlord-Friendly
• State Mississippi: 90 Strongly Landlord-Friendly · R+11
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; very landlord-favorable; no rent control.

Methodology + full state rankings →

ZIP-level market 39216

• Home prices YoY: -8.0%
• Active inventory: 42
• Price-to-rent: 8.1×

Monthly cashflow live

• Estimated rent: $1,536 high
• Mortgage (P&I): −$787
• Tax from tax record: −$165 /mo · $1,978/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$323
• Net cashflow: $200

Break-even live

Break-even rent $1,284

Max offer price $150,000

Occupancy floor 82%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $37,500
• Closing costs: $4,500
• Reserves months: —
• Total cash needed: —

Rent comps 19 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3309 N State St Jackson, MS	2.0	1.5	1300	$1,495	$1.15	14d	1	0.35mi
327 Decelle St Unit a Jackson, MS	2.0	1.0	1120	$1,200	$1.07	44d	1	0.37mi
327 Decelle St Jackson, MS	2.0	1.0	1120	$1,000	$0.89	23d	1	0.37mi
3611 N State St Jackson, MS	3.0	2.5	1540	$1,800	$1.17	44d	1	0.57mi
1710 N State St Jackson, MS	2.0	2.0	1800	$2,450	$1.36	23d	1	0.76mi
2566 Williamson Ave Jackson, MS	3.0	1.5	940	$1,150	$1.22	44d	1	0.80mi
4056 Redwing Ave Jackson, MS	3.0	2.0	1678	$1,850	$1.10	44d	1	0.93mi
4220 Council Cir Jackson, MS	3.0	2.5	1780	$1,850	$1.04	23d	1	1.00mi
4091 Pine Hill Dr Jackson, MS	3.0	2.0	1551	$3,000	$1.93	23d	1	1.03mi
4426 Desoto St Jackson, MS	3.0	1.0	1079	$1,250	$1.16	14d	1	1.35mi
4426 Desoto St Jackson, MS	3.0	1.0	1079	$1,250	$1.16	23d	1	1.35mi
3718 Northbrook Dr Jackson, MS	2.0	1.0	942	$1,050	$1.11	23d	1	1.35mi
1119 Manship St Jackson, MS	2.0	2.0	1587	$2,200	$1.39	14d	1	1.36mi
724 Meadowbrook Rd Jackson, MS	3.0	2.0	1593	$2,150	$1.35	44d	1	1.38mi
200 Stillwood Dr Jackson, MS	3.0	2.0	1088	$1,300	$1.19	44d	1	1.43mi
200 Stillwood Dr Jackson, MS	3.0	2.0	1088	$1,300	$1.19	14d	1	1.43mi
1140 Greymont Ave Unit C13 Jackson, MS	2.0	2.0	1050	$1,250	$1.19	44d	1	1.49mi
1140 Greymont Ave Jackson, MS	1.0–2.0	1.0–2.0	835	$1,250	$1.50	14d	6	1.49mi
1202 E Fortification St Jackson, MS	2.0	1.0	1225	$1,150	$0.94	23d	1	1.50mi

Listing history 28 events

1. 2026-06-18
   days on market $150,000 Active 139 DOM
2. 2026-06-17
   days on market $150,000 Active 138 DOM
3. 2026-06-16
   days on market $150,000 Active 137 DOM
4. 2026-06-15
   days on market $150,000 Active 136 DOM
5. 2026-06-14
   days on market $150,000 Active 134 DOM
6. 2026-06-13
   days on market $150,000 Active 133 DOM
7. 2026-06-10
   days on market $150,000 Active 131 DOM
8. 2026-06-09
   days on market $150,000 Active 130 DOM
9. 2026-06-08
   days on market $150,000 Active 129 DOM
10. 2026-06-07
    days on market $150,000 Active 128 DOM
11. 2026-06-05
    days on market $150,000 Active 125 DOM
12. 2026-06-03
    days on market $150,000 Active 124 DOM
13. 2026-06-02
    days on market $150,000 Active 123 DOM
14. 2026-06-01
    days on market $150,000 Active 122 DOM
15. 2026-05-31
    days on market $150,000 Active 121 DOM
16. 2026-05-30
    days on market $150,000 Active 120 DOM
17. 2026-01-30
    listed $150,000 Active 1621-char remark

    Show marketing remark (1621 chars)

    :Welcome to 522 Taylor St, a charming ingle-family home nestled in the heart of Jackson, MS. This historic property was built in 1938 and exudes character and charm from the moment you arrive. With 1 bathroom and a generous 1,253 sq.ft. of finished living space, this home offers plenty of room to relax and entertain. As you step inside, you'll be greeted by a bright and airy living area that is perfect for relaxing after a long day. The kitchen boasts ample cabinet space and modern appliances, making meal prep a breeze. The bathroom is spacious and features a tub/shower combination, perfect for unwinding with a hot bath at the end of the day. This property sits on a sizable lot measuring 0.18 acres, providing plenty of outdoor space for gardening, entertaining, or simply enjoying the fresh air. The backyard is a private, with plenty of room for outdoor furniture and a barbecue grill, making it the ideal spot for hosting summer gatherings with friends and family. Located in a prime location in Jackson, MS, this home is conveniently situated near shopping, dining, and entertainment options. With easy access to major highways and public transportation, commuting to work or exploring the city is a breeze. Plus, the neighborhood is known for its friendly community atmosphere, making it a wonderful place to call home. Don't miss your chance to own this historic gem in Jackson, MS. With its timeless charm, spacious living areas, and convenient location, this property is sure to impress. Schedule a showing today and come see all that 522 Taylor St has to offer. Option to purchase fully furnished.

18. 2023-10-13
    soldstatus Closed 991-char remark

    Show marketing remark (991 chars)

    Beautifully renovated -- and as close to UMMC as you can get! This attractive single-family home just underwent a complete do-over two years ago and received an entirely new kitchen and bathroom with new cabinets, quartz countertops, and porcelain tile flooring. The appliances are new stainless steel. All plumbing fixtures and faucets were replaced. However, the home's original wood flooring from the 1930's has been carefully refinished to preserve its rich patina and lend additional warmth and charm to the home. The entire house, inside and out, was freshly painted; there is even a new roof. The attached covered parking for two cars is a much-desired amenity, as is the charming front porch. Perhaps best of all, you can leave your car at home because you will only be steps away from Fondren's renowned restaurants and entertainment venues. This property is also listed for lease for $1600 per month. This house would make an adorable and popular AirBnB with its splendid location!

19. 2023-10-12
    soldstatus
20. 2023-09-28
    status Pending 991-char remark

    Show marketing remark (991 chars)

    Beautifully renovated -- and as close to UMMC as you can get! This attractive single-family home just underwent a complete do-over two years ago and received an entirely new kitchen and bathroom with new cabinets, quartz countertops, and porcelain tile flooring. The appliances are new stainless steel. All plumbing fixtures and faucets were replaced. However, the home's original wood flooring from the 1930's has been carefully refinished to preserve its rich patina and lend additional warmth and charm to the home. The entire house, inside and out, was freshly painted; there is even a new roof. The attached covered parking for two cars is a much-desired amenity, as is the charming front porch. Perhaps best of all, you can leave your car at home because you will only be steps away from Fondren's renowned restaurants and entertainment venues. This property is also listed for lease for $1600 per month. This house would make an adorable and popular AirBnB with its splendid location!

21. 2023-09-22
    status Active 991-char remark

    Show marketing remark (991 chars)

    Beautifully renovated -- and as close to UMMC as you can get! This attractive single-family home just underwent a complete do-over two years ago and received an entirely new kitchen and bathroom with new cabinets, quartz countertops, and porcelain tile flooring. The appliances are new stainless steel. All plumbing fixtures and faucets were replaced. However, the home's original wood flooring from the 1930's has been carefully refinished to preserve its rich patina and lend additional warmth and charm to the home. The entire house, inside and out, was freshly painted; there is even a new roof. The attached covered parking for two cars is a much-desired amenity, as is the charming front porch. Perhaps best of all, you can leave your car at home because you will only be steps away from Fondren's renowned restaurants and entertainment venues. This property is also listed for lease for $1600 per month. This house would make an adorable and popular AirBnB with its splendid location!

22. 2023-09-03
    status Pending 991-char remark

    Show marketing remark (991 chars)

    Beautifully renovated -- and as close to UMMC as you can get! This attractive single-family home just underwent a complete do-over two years ago and received an entirely new kitchen and bathroom with new cabinets, quartz countertops, and porcelain tile flooring. The appliances are new stainless steel. All plumbing fixtures and faucets were replaced. However, the home's original wood flooring from the 1930's has been carefully refinished to preserve its rich patina and lend additional warmth and charm to the home. The entire house, inside and out, was freshly painted; there is even a new roof. The attached covered parking for two cars is a much-desired amenity, as is the charming front porch. Perhaps best of all, you can leave your car at home because you will only be steps away from Fondren's renowned restaurants and entertainment venues. This property is also listed for lease for $1600 per month. This house would make an adorable and popular AirBnB with its splendid location!

23. 2023-08-17
    listed $149,999 Active 991-char remark

    Show marketing remark (991 chars)

    Beautifully renovated -- and as close to UMMC as you can get! This attractive single-family home just underwent a complete do-over two years ago and received an entirely new kitchen and bathroom with new cabinets, quartz countertops, and porcelain tile flooring. The appliances are new stainless steel. All plumbing fixtures and faucets were replaced. However, the home's original wood flooring from the 1930's has been carefully refinished to preserve its rich patina and lend additional warmth and charm to the home. The entire house, inside and out, was freshly painted; there is even a new roof. The attached covered parking for two cars is a much-desired amenity, as is the charming front porch. Perhaps best of all, you can leave your car at home because you will only be steps away from Fondren's renowned restaurants and entertainment venues. This property is also listed for lease for $1600 per month. This house would make an adorable and popular AirBnB with its splendid location!

24. 2021-03-24
    soldstatus
25. 2021-02-03
    listed $79,900
26. 2001-09-13
    soldstatus
27. 1997-11-01
    soldstatus
28. 1989-05-10
    soldstatus

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast MS · Resets to sale price

• Current annual tax: $1,978 · $165/mo
• Projected year-2 tax: $1,978 · $165/mo
• Expected delta: $0/yr ($0/mo · -0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 7/10 Severe 7 d/yr ≥108°F today · 20 d/yr by 30 yrs out
• 💨 Wind 7/10 Severe 78% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,436
• − Mortgage interest: −$8,402
• − Property taxes: −$1,978
• − Insurance: −$750
• − Repairs & maintenance: −$1,475
• − Management: −$1,475
• − Depreciation: −$4,364
• Taxable loss: −$8
• Est. tax savings @ 24.0%: +$2
• After-tax cash flow: $2,398/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Jackson Public School District
• NCES district ID: 2802190
• Math proficiency: 9% ▼ -14.00%
• Reading proficiency: 18% ▼ -7.00%
• Median HH income: $33,234
• Composite: 10.89/100
• National rank: #9755
• State rank: #112 of 130 in MS

Livability — Jackson

• Score: 68/100
• State rank: #66
• US rank: #9695

Category grades

Amenities F Commute A+ Cost of living A+ Crime C Employment F Housing A+ Health & safety F User ratings F

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Jackson, MS
• County: Hinds County · 167,040 people
• City population: 140,204
• Metro: Jackson, MS
• Population (ZIP): 2,902
• Household income: $43,750
• Rent vs Own: 59.8% rent · 40.2% own
• Severe rent burden: 356.0

Population outlook (Hinds County) Hauer SSP2

• Today (2025): 242,528 people
• By 2030: 241,113 · -0.6%
• By 2040: 235,557 · -2.9%
• By 2050: 226,946 · -6.4%
• By 2075: 199,995 · -17.5%
• By 2100: 164,165 · -32.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (68%)
• Race & ethnicity: White 68% Black 31%
• Common ancestry: Slovak 4% Lithuanian 3% Italian 2%
• Foreign-born: 2% · China
• Languages at home: 96% English-only · Other Indo-European 2% Arabic 1% Spanish 1%

Political lean MEDSL · Hinds

• 2024 margin: Solid D (+46.1) · D 72.4% · R 26.3% · Other 1.4%
• 2008→2024 swing: +7.1pp toward D · 2008: 39.0pp · 2024: 46.1pp
• All cycles: 2024: D+46.1 2020: D+48.3 2016: D+43.7 2012: D+45.1 2008: D+39.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -14.69%
• Current HPI: 168.5049
• Rent YoY: —
• Metro: Jackson, MS
• State GDP YoY: —
• F500 in state: 0

Price history

+87.7% since first listed

12 events — show timeline

• 2026-01-30 Listed $150,000 MLSU
• 2023-10-13 Sold (MLS) — MLSU
• 2023-10-12 Sold (Public Records) — Public Records
• 2023-09-28 Pending — MLSU
• 2023-09-22 Relisted — MLSU
• 2023-09-03 Pending — MLSU
• 2023-08-17 Listed $149,999 MLSU
• 2021-03-24 Sold (MLS) — MLSU
• 2021-02-03 Listed $79,900 MLSU
• 2001-09-13 Sold (Public Records) — Public Records
• 1997-11-01 Sold (Public Records) — Public Records
• 1989-05-10 Sold (Public Records) — Public Records

Property tax history

+5.7%/yr

Latest (2025): $1,978 · +0.2% YoY. Source: county tax records.