735 Wicklow Pl Unit A · Ridgeland, MS 39157

$107,900

2 bd · 4.0 ba · 1,300 sqft · SingleFamily public records · 387 Days on market

Built 1984 3,484 sqft lot $83/sqft · 27% below area Est $139k · 23% under ↓ 28% since listing

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Why this score? — see what drove the B+ 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 +30.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +8.4/10.0
• Schools +4.8/10.0
• Rent growth +3.9/5.0
• Livability +3.4/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Renovated Investment Property in Ridgeland! Sold as-is. Already making money! Home is currently rented and generating income! This 2 bedroom, 1 1/2 bath duplex home has been completely renovated with NEW A/C and all new duct work, NEW appliances and countertops, NEW floors (no carpet), NEW paint, NEW bathtub, and a partial NEW ROOF! Enter to the cozy living room with the dining room and kitchen and 1/2 bath also on the lower level. Upstairs, the 2 bedrooms share a spacious bathroom. Plenty of parking area behind the home and enters to the kitchen area. Already a money maker! Convenient to Old Canton Road, and the Ross Barnett Reservoir. (One side - side A)

Key facts

• New floors
• New paint
• New a/c

Tags

• RENOVATED INVESTMENT PROPERTY
• NEW A/C
• NEW APPLIANCES
• NEW COUNTERTOPS
• NEW FLOORS
• NEW PAINT

What this means for you Summary

Snapshot

• This is a 2-bed/4.0-bath single-family listed at $108k.

Deal economics

• At list price, monthly cash flow is $425 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $108k).
• Recommended offer: $95k (12.0% below list) — sets the bar for market timing.
• Cap rate 11.0% vs local median 2.8% in Ridgeland — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 68/100 on livability (#57 in MS) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools C-, amenities F, commute F.
• Madison County School District (rural): math 54% / reading 54% proficiency, ranked #3 of 130 in MS (top 2%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising fast (+5.7%/yr); 132 active listings in the ZIP; 26 comparable units currently listed for rent nearby; rentals leasing fast (median 14d on market — plan ~1-2 weeks tenant-placement turnaround); 553 units permitted in Madison County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $746 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Madison County population projected at +34% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 5.7% rent growth), your $30k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 387 days — a 12% lower offer ($95k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 2y ago; this cycle's ask has dropped $31k (22%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• 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 $94,952 (12.0% below list)

Questions for the listing agent

1. It's been on market 387 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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.
5. 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.
6. 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: 1.34% ✓
• Cap rate: 11.01%
• Cash-on-cash: 16.86%
• DSCR: 1.75
• GRM: 6.2

CMA / ARV

• ARV (median comp): $139,356
• List price: $107,900
• Delta: -22.57%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1925 Lincolnshire Blvd	0.31mi	3/2.0 (+1)	1,295 (-0%)	5mo	$197,000	$152	68
1928 Lincolnshire Blvd	0.32mi	3/2.0 (+1)	1,272 (-2%)	16mo	$188,000	$148	55
7028 Copper Cv	0.64mi	3/2.0 (+1)	1,350 (+4%)	2mo	$140,000	$104	49
1007 Elm's Cv	0.60mi	3/2.0 (+1)	1,432 (+10%)	2mo	$229,000	$160	40
839 Springfield Ct	0.69mi	3/2.0 (+1)	1,335 (+3%)	12mo	$249,900	$187	40
325 W Oak Leaf Ct	0.54mi	3/2.0 (+1)	1,211 (-7%)	13mo	$130,000	$107	40
7022 Copper Cv	0.64mi	3/2.0 (+1)	1,390 (+7%)	7mo	$178,000	$128	40
729 Hawthorn Green Dr	0.43mi	3/2.0 (+1)	1,385 (+6%)	21mo	$210,500	$152	39
1013 Brashears Pt	0.70mi	3/2.0 (+1)	1,384 (+6%)	8mo	$215,000	$155	37
1013 Camdenmill Dr	0.57mi	3/2.0 (+1)	1,475 (+14%)	10mo	$189,900	$129	30
1032 Craig Cir	0.58mi	3/2.0 (+1)	1,423 (+10%)	23mo	$215,000	$151	25

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 · 5.65% rent growth · sell at horizon

5-year hold

• IRR: 11.0%
• Equity multiple: 1.45×
• Total profit: $13,502
• Equity at exit: $16,088

10-year hold

• IRR: 22.0%
• Equity multiple: 3.11×
• Total profit: $63,681
• Equity at exit: $9,329

Cash invested: $30,212 (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 39157

• Home prices YoY: -22.8%
• Rents YoY: 5.7%
• Active inventory: 132
• Price-to-rent: 6.2×

Monthly cashflow live

• Estimated rent: $1,442 high
• Mortgage (P&I): −$566
• Tax from tax record: −$104 /mo · $1,246/yr
• Insurance: −$45
• HOA: −$0
• Vacancy / Maint / Mgmt: −$303
• Net cashflow: $425

Break-even live

Break-even rent $905

Max offer price $107,900

Occupancy floor 66%

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: $26,975
• Closing costs: $3,237
• Reserves months: —
• Total cash needed: —

Rent comps 26 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
875 William Blvd Ridgeland, MS	1.0–2.0	1.0–2.0	712	$1,289	$1.81	13d	9	0.18mi
6811 Old Canton Rd Ridgeland, MS	2.0	2.0	1365	$1,495	$1.10	43d	1	0.28mi
6675 Old Canton Rd Ridgeland, MS	2.0	2.0	905	$1,199	$1.32	21d	1	0.34mi
110 Pine Knoll Dr Ridgeland, MS	1.0–2.0	1.0	1000	$1,295	$1.29	43d	1	0.38mi
959 Lake Harbour Dr Ridgeland, MS	1.0–3.0	1.0–2.0	1138	$1,766	$1.55	13d	14	0.40mi
879 William Blvd Ridgeland, MS	1.0–3.0	1.0–2.0	1117	$1,286	$1.15	13d	7	0.42mi
109 Pine Knoll Dr Ridgeland, MS	2.0	2.0	1050	$1,350	$1.29	13d	1	0.51mi
2144 Lakeshore Dr Ridgeland, MS	1.0–3.0	1.0–2.0	950	$1,306	$1.37	13d	16	0.54mi
711 Lake Harbour Dr Ridgeland, MS	2.0	2.0	1100	$1,354	$1.23	13d	1	0.62mi
7028 Copper Cv Ridgeland, MS	3.0	2.0	1373	$1,700	$1.24	23d	1	0.67mi
761 Rice Rd Ridgeland, MS	1.0–3.0	1.0–2.0	1135	$1,954	$1.72	13d	9	0.77mi
715 Rice Rd Ridgeland, MS	1.0–2.0	1.0–2.0	975	$1,551	$1.59	13d	16	0.94mi
580 S Pear Orchard Rd Ridgeland, MS	1.0–3.0	1.0–2.0	950	$1,502	$1.58	13d	15	1.01mi
1620 E County Line Rd Ridgeland, MS	1.0–3.0	1.0–2.5	1126	$1,345	$1.19	13d	7	1.07mi
601 Northpointe Pkwy Jackson, MS	1.0–2.0	1.0–2.0	910	$1,054	$1.16	13d	2	1.16mi
331 Peach Orchard Dr Ridgeland, MS	2.0	2.0	1300	$1,700	$1.31	43d	1	1.17mi
499 S Pear Orchard Rd Ridgeland, MS	2.0	2.0	925	$1,300	$1.41	43d	1	1.22mi
35 Meadowoods Ter Jackson, MS	3.0	2.0	1269	$1,450	$1.14	23d	1	1.25mi
126 Breakers Ln Unit 126 Ridgeland, MS	3.0	2.5	1836	$2,800	$1.53	13d	1	1.26mi
2501 River Oaks Blvd Jackson, MS	1.0–2.0	1.0–2.0	980	$1,600	$1.63	13d	6	1.29mi
9B River Oaks Pl Jackson, MS	2.0	2.0	1012	$1,395	$1.38	23d	1	1.33mi
340 Arbor Dr Ridgeland, MS	1.0–2.0	1.0–2.0	850	$1,374	$1.62	13d	26	1.46mi
51 Northtown Dr Unit 001G Jackson, MS	3.0	2.0	1260	$1,449	$1.15	13d	1	1.48mi
51 Northtown Dr Unit 003D Jackson, MS	2.0	2.0	1025	$1,199	$1.17	43d	1	1.48mi
50 Northtown Dr Jackson, MS	1.0–2.0	1.0–2.0	871	$1,200	$1.38	13d	15	1.48mi
1523 E County Line Rd Jackson, MS	2.0	2.0	989	$1,235	$1.25	43d	1	1.49mi

Listing history 43 events

1. 2026-06-18
   days on market $107,900 Active 387 DOM
2. 2026-06-17
   days on market $107,900 Active 386 DOM
3. 2026-06-16
   days on market $107,900 Active 385 DOM
4. 2026-06-15
   days on market $107,900 Active 384 DOM
5. 2026-06-14
   days on market $107,900 Active 382 DOM
6. 2026-06-10
   days on market $107,900 Active 379 DOM
7. 2026-06-09
   days on market $107,900 Active 378 DOM
8. 2026-06-08
   days on market $107,900 Active 377 DOM
9. 2026-06-07
   pricedays on market $107,900 Active 376 DOM
10. 2026-06-03
    days on market $110,900 Active 372 DOM
11. 2026-06-02
    days on market $110,900 Active 371 DOM
12. 2026-06-01
    days on market $110,900 Active 370 DOM
13. 2026-05-31
    days on market $110,900 Active 369 DOM
14. 2026-05-30
    days on market $110,900 Active 368 DOM
15. 2026-05-04
    price $110,900 679-char remark

    Show marketing remark (679 chars)

    Renovated Investment Property in Ridgeland! Sold as-is. Already making money! Home is currently rented and generating income! This 2 bedroom, 1 1/2 bath duplex home has been completely renovated with NEW A/C and all new duct work, NEW appliances and countertops, NEW floors (no carpet), NEW paint, NEW bathtub, and a partial NEW ROOF! Enter to the cozy living room with the dining room and kitchen and 1/2 bath also on the lower level. Upstairs, the 2 bedrooms share a spacious bathroom. Plenty of parking area behind the home and enters to the kitchen area. Already a money maker! Convenient to Old Canton Road, and the Ross Barnett Reservoir. (One side - side A)

16. 2026-04-08
    price $112,900 679-char remark

    Show marketing remark (679 chars)

    Renovated Investment Property in Ridgeland! Sold as-is. Already making money! Home is currently rented and generating income! This 2 bedroom, 1 1/2 bath duplex home has been completely renovated with NEW A/C and all new duct work, NEW appliances and countertops, NEW floors (no carpet), NEW paint, NEW bathtub, and a partial NEW ROOF! Enter to the cozy living room with the dining room and kitchen and 1/2 bath also on the lower level. Upstairs, the 2 bedrooms share a spacious bathroom. Plenty of parking area behind the home and enters to the kitchen area. Already a money maker! Convenient to Old Canton Road, and the Ross Barnett Reservoir. (One side - side A)

17. 2026-03-05
    price $114,900 679-char remark

    Show marketing remark (679 chars)

    Renovated Investment Property in Ridgeland! Sold as-is. Already making money! Home is currently rented and generating income! This 2 bedroom, 1 1/2 bath duplex home has been completely renovated with NEW A/C and all new duct work, NEW appliances and countertops, NEW floors (no carpet), NEW paint, NEW bathtub, and a partial NEW ROOF! Enter to the cozy living room with the dining room and kitchen and 1/2 bath also on the lower level. Upstairs, the 2 bedrooms share a spacious bathroom. Plenty of parking area behind the home and enters to the kitchen area. Already a money maker! Convenient to Old Canton Road, and the Ross Barnett Reservoir. (One side - side A)

18. 2026-03-04
    status Active 679-char remark

    Show marketing remark (679 chars)

    Renovated Investment Property in Ridgeland! Sold as-is. Already making money! Home is currently rented and generating income! This 2 bedroom, 1 1/2 bath duplex home has been completely renovated with NEW A/C and all new duct work, NEW appliances and countertops, NEW floors (no carpet), NEW paint, NEW bathtub, and a partial NEW ROOF! Enter to the cozy living room with the dining room and kitchen and 1/2 bath also on the lower level. Upstairs, the 2 bedrooms share a spacious bathroom. Plenty of parking area behind the home and enters to the kitchen area. Already a money maker! Convenient to Old Canton Road, and the Ross Barnett Reservoir. (One side - side A)

19. 2026-02-24
    status Pending 679-char remark

    Show marketing remark (679 chars)

    Renovated Investment Property in Ridgeland! Sold as-is. Already making money! Home is currently rented and generating income! This 2 bedroom, 1 1/2 bath duplex home has been completely renovated with NEW A/C and all new duct work, NEW appliances and countertops, NEW floors (no carpet), NEW paint, NEW bathtub, and a partial NEW ROOF! Enter to the cozy living room with the dining room and kitchen and 1/2 bath also on the lower level. Upstairs, the 2 bedrooms share a spacious bathroom. Plenty of parking area behind the home and enters to the kitchen area. Already a money maker! Convenient to Old Canton Road, and the Ross Barnett Reservoir. (One side - side A)

20. 2026-02-19
    price $116,500 679-char remark

    Show marketing remark (679 chars)

    Renovated Investment Property in Ridgeland! Sold as-is. Already making money! Home is currently rented and generating income! This 2 bedroom, 1 1/2 bath duplex home has been completely renovated with NEW A/C and all new duct work, NEW appliances and countertops, NEW floors (no carpet), NEW paint, NEW bathtub, and a partial NEW ROOF! Enter to the cozy living room with the dining room and kitchen and 1/2 bath also on the lower level. Upstairs, the 2 bedrooms share a spacious bathroom. Plenty of parking area behind the home and enters to the kitchen area. Already a money maker! Convenient to Old Canton Road, and the Ross Barnett Reservoir. (One side - side A)

21. 2026-01-30
    price $119,950 679-char remark

    Show marketing remark (679 chars)

    Renovated Investment Property in Ridgeland! Sold as-is. Already making money! Home is currently rented and generating income! This 2 bedroom, 1 1/2 bath duplex home has been completely renovated with NEW A/C and all new duct work, NEW appliances and countertops, NEW floors (no carpet), NEW paint, NEW bathtub, and a partial NEW ROOF! Enter to the cozy living room with the dining room and kitchen and 1/2 bath also on the lower level. Upstairs, the 2 bedrooms share a spacious bathroom. Plenty of parking area behind the home and enters to the kitchen area. Already a money maker! Convenient to Old Canton Road, and the Ross Barnett Reservoir. (One side - side A)

22. 2025-12-30
    price $122,000 679-char remark

    Show marketing remark (679 chars)

    Renovated Investment Property in Ridgeland! Sold as-is. Already making money! Home is currently rented and generating income! This 2 bedroom, 1 1/2 bath duplex home has been completely renovated with NEW A/C and all new duct work, NEW appliances and countertops, NEW floors (no carpet), NEW paint, NEW bathtub, and a partial NEW ROOF! Enter to the cozy living room with the dining room and kitchen and 1/2 bath also on the lower level. Upstairs, the 2 bedrooms share a spacious bathroom. Plenty of parking area behind the home and enters to the kitchen area. Already a money maker! Convenient to Old Canton Road, and the Ross Barnett Reservoir. (One side - side A)

23. 2025-11-19
    status Active 679-char remark

    Show marketing remark (679 chars)

    Renovated Investment Property in Ridgeland! Sold as-is. Already making money! Home is currently rented and generating income! This 2 bedroom, 1 1/2 bath duplex home has been completely renovated with NEW A/C and all new duct work, NEW appliances and countertops, NEW floors (no carpet), NEW paint, NEW bathtub, and a partial NEW ROOF! Enter to the cozy living room with the dining room and kitchen and 1/2 bath also on the lower level. Upstairs, the 2 bedrooms share a spacious bathroom. Plenty of parking area behind the home and enters to the kitchen area. Already a money maker! Convenient to Old Canton Road, and the Ross Barnett Reservoir. (One side - side A)

24. 2025-11-17
    historical 679-char remark

    Show marketing remark (679 chars)

    Renovated Investment Property in Ridgeland! Sold as-is. Already making money! Home is currently rented and generating income! This 2 bedroom, 1 1/2 bath duplex home has been completely renovated with NEW A/C and all new duct work, NEW appliances and countertops, NEW floors (no carpet), NEW paint, NEW bathtub, and a partial NEW ROOF! Enter to the cozy living room with the dining room and kitchen and 1/2 bath also on the lower level. Upstairs, the 2 bedrooms share a spacious bathroom. Plenty of parking area behind the home and enters to the kitchen area. Already a money maker! Convenient to Old Canton Road, and the Ross Barnett Reservoir. (One side - side A)

25. 2025-10-04
    price $124,900 679-char remark

    Show marketing remark (679 chars)

    Renovated Investment Property in Ridgeland! Sold as-is. Already making money! Home is currently rented and generating income! This 2 bedroom, 1 1/2 bath duplex home has been completely renovated with NEW A/C and all new duct work, NEW appliances and countertops, NEW floors (no carpet), NEW paint, NEW bathtub, and a partial NEW ROOF! Enter to the cozy living room with the dining room and kitchen and 1/2 bath also on the lower level. Upstairs, the 2 bedrooms share a spacious bathroom. Plenty of parking area behind the home and enters to the kitchen area. Already a money maker! Convenient to Old Canton Road, and the Ross Barnett Reservoir. (One side - side A)

26. 2025-09-23
    price $129,500 679-char remark

    Show marketing remark (679 chars)

    Renovated Investment Property in Ridgeland! Sold as-is. Already making money! Home is currently rented and generating income! This 2 bedroom, 1 1/2 bath duplex home has been completely renovated with NEW A/C and all new duct work, NEW appliances and countertops, NEW floors (no carpet), NEW paint, NEW bathtub, and a partial NEW ROOF! Enter to the cozy living room with the dining room and kitchen and 1/2 bath also on the lower level. Upstairs, the 2 bedrooms share a spacious bathroom. Plenty of parking area behind the home and enters to the kitchen area. Already a money maker! Convenient to Old Canton Road, and the Ross Barnett Reservoir. (One side - side A)

27. 2025-07-07
    price $134,900 679-char remark

    Show marketing remark (679 chars)

    Renovated Investment Property in Ridgeland! Sold as-is. Already making money! Home is currently rented and generating income! This 2 bedroom, 1 1/2 bath duplex home has been completely renovated with NEW A/C and all new duct work, NEW appliances and countertops, NEW floors (no carpet), NEW paint, NEW bathtub, and a partial NEW ROOF! Enter to the cozy living room with the dining room and kitchen and 1/2 bath also on the lower level. Upstairs, the 2 bedrooms share a spacious bathroom. Plenty of parking area behind the home and enters to the kitchen area. Already a money maker! Convenient to Old Canton Road, and the Ross Barnett Reservoir. (One side - side A)

28. 2025-05-17
    listed $139,000 Active 679-char remark

    Show marketing remark (679 chars)

    Renovated Investment Property in Ridgeland! Sold as-is. Already making money! Home is currently rented and generating income! This 2 bedroom, 1 1/2 bath duplex home has been completely renovated with NEW A/C and all new duct work, NEW appliances and countertops, NEW floors (no carpet), NEW paint, NEW bathtub, and a partial NEW ROOF! Enter to the cozy living room with the dining room and kitchen and 1/2 bath also on the lower level. Upstairs, the 2 bedrooms share a spacious bathroom. Plenty of parking area behind the home and enters to the kitchen area. Already a money maker! Convenient to Old Canton Road, and the Ross Barnett Reservoir. (One side - side A)

29. 2025-05-09
    historical
30. 2025-02-24
    status Active
31. 2025-02-21
    historical
32. 2025-02-16
    price $127,900
33. 2025-01-04
    price $129,900
34. 2024-12-05
    price $133,000
35. 2024-10-23
    price $137,000
36. 2024-10-09
    price $139,000
37. 2024-09-11
    price $140,000
38. 2024-09-04
    price $146,000
39. 2024-08-21
    listed $155,000 Active
40. 2019-08-27
    soldstatus
41. 1989-08-15
    soldstatus
42. 1989-08-15
    soldstatus
43. 1988-10-24
    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: $1,246 · $104/mo
• Projected year-2 tax: $1,246 · $104/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 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,303
• − Mortgage interest: −$6,044
• − Property taxes: −$1,246
• − Insurance: −$540
• − Repairs & maintenance: −$1,384
• − Management: −$1,384
• − Depreciation: −$3,139
• Taxable income: $3,566
• Est. tax owed @ 24.0%: −$856
• After-tax cash flow: $4,238/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: Madison County School District
• NCES district ID: 2802790
• Math proficiency: 54% ▼ -7.00%
• Reading proficiency: 54% ▼ -7.00%
• Median HH income: $70,579
• Composite: 48.08/100
• National rank: #2188
• State rank: #3 of 130 in MS

Livability — Ridgeland

• Score: 68/100
• State rank: #57
• US rank: #9276

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Ridgeland, MS
• County: Madison County · 75,005 people
• City population: 24,562
• Metro: Jackson, MS
• Population (ZIP): 24,562
• Household income: $66,068
• Rent vs Own: 52.7% rent · 47.3% own
• Severe rent burden: 1370.0

Population outlook (Madison County) Hauer SSP2

• Today (2025): 122,509 people
• By 2030: 131,737 · +7.5%
• By 2040: 148,930 · +21.6%
• By 2050: 164,300 · +34.1%
• By 2075: 197,495 · +61.2%
• By 2100: 211,429 · +72.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.61)
• Race & ethnicity: Black 44% White 43% Hispanic / Latino 7% Two or more races 4% Asian 3%
• Hispanic origin (detail): Mexican 6%
• Common ancestry: Italian 3% Lithuanian 3% Serbian 1%
• Foreign-born: 7% · Canada, China, Vietnam
• Languages at home: 90% English-only · Spanish 6% Other Indo-European 1% Chinese 1%

Political lean MEDSL · Madison

• 2024 margin: R (+17.3) · D 40.8% · R 58.0% · Other 1.2%
• 2008→2024 swing: -1.7pp toward R · 2008: -15.6pp · 2024: -17.3pp
• All cycles: 2024: R+17.3 2020: R+11.8 2016: R+16.1 2012: R+15.7 2008: R+15.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -45.34%
• Current HPI: 153.1826
• Rent YoY: ▲ 5.65%
• Metro: Jackson, MS
• State GDP YoY: —
• F500 in state: 0

Price history

-28.5% since first listed

29 events — show timeline

• 2026-05-04 Price Changed $110,900 MLSU
• 2026-04-08 Price Changed $112,900 MLSU
• 2026-03-05 Price Changed $114,900 MLSU
• 2026-03-04 Relisted — MLSU
• 2026-02-24 Pending — MLSU
• 2026-02-19 Price Changed $116,500 MLSU
• 2026-01-30 Price Changed $119,950 MLSU
• 2025-12-30 Price Changed $122,000 MLSU
• 2025-11-19 Relisted — MLSU
• 2025-11-17 Listing Removed — MLSU
• 2025-10-04 Price Changed $124,900 MLSU
• 2025-09-23 Price Changed $129,500 MLSU
• 2025-07-07 Price Changed $134,900 MLSU
• 2025-05-17 Listed $139,000 MLSU
• 2025-05-09 Listing Removed — MLSU
• 2025-02-24 Relisted — MLSU
• 2025-02-21 Listing Removed — MLSU
• 2025-02-16 Price Changed $127,900 MLSU
• 2025-01-04 Price Changed $129,900 MLSU
• 2024-12-05 Price Changed $133,000 MLSU
• 2024-10-23 Price Changed $137,000 MLSU
• 2024-10-09 Price Changed $139,000 MLSU
• 2024-09-11 Price Changed $140,000 MLSU
• 2024-09-04 Price Changed $146,000 MLSU
• 2024-08-21 Listed $155,000 MLSU
• 2019-08-27 Sold (Public Records) — Public Records
• 1989-08-15 Sold (Public Records) — Public Records
• 1989-08-15 Sold (Public Records) — Public Records
• 1988-10-24 Sold (Public Records) — Public Records

Property tax history

+4.3%/yr

Latest (2025): $1,246 · +0.0% YoY. Source: county tax records.