168 Dahlia St · Biloxi, MS 39531

$145,000

3 bd · 1.0 ba · 1,664 sqft · SingleFamily public records · 17 Days on market

Built 1952 7,405 sqft lot Est $188k · 23% under

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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 +8.6/10.0
• Schools +4.5/10.0
• Livability +4.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Charming 3-bedroom, 1-bath brick home located in the heart of Biloxi! This single-story property features a spacious layout with an eat-in kitchen, tile flooring, updated countertops, and a covered front porch. The home offers central heat and air, natural gas, and a private driveway with ample parking. Situated on a level city lot with a large yard, this property is conveniently located near shopping, dining, schools, entertainment, and the Mississippi Gulf Coast beaches. Great opportunity for an owner-occupant or investor looking for a move-in ready property with strong rental potential.

Key facts

• Covered front porch
• Central heat and air
• Eat-in kitchen

Tags

• EAT-IN KITCHEN
• TILE FLOORING
• UPDATED COUNTERTOPS
• COVERED FRONT PORCH
• CENTRAL HEAT AND AIR
• NATURAL GAS

Property features AI

Finance

• Other: Lot is a city, level, rectangular lot (approximately 0.17 acre)

Exterior

• Parking: 2 parking spaces; Driveway and on-site parking
• Utilities: Public water; Public sewer (connected); Electricity available; Natural gas available; Cable available
• Home design: Single-family residence (house); One story; Move-in ready
• Construction: Brick veneer exterior; Shingle roof; Slab foundation; Built (year from public records)
• Exterior features: Front porch; Brick patio/porch details; Private yard; Rain gutters

Interior

• Kitchen: Dishwasher; Free-standing gas range; Refrigerator; Eat-in layout
• Bedrooms: Includes at least one bedroom
• Flooring: Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (forced air); Central air conditioning
• Interior features: Ceiling fans; Eat-in kitchen; Soaking tub; Total of 5 rooms
• Laundry & utility: Dryer

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $145k.

Deal economics

• At list price, monthly cash flow is $637 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $145k).
• Recommended offer: $143k (1.5% below list) — sets the bar for market timing.
• Cap rate 11.6% vs local median 3.5% in Biloxi — 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 79/100 on livability (#6 in MS, #2,141 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: commute D+, amenities F, employment D-.
• Biloxi Public School District (urban): math 60% / reading 48% proficiency, ranked #7 of 130 in MS (top 5%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Biloxi Junior High (math 60% / reading 43%, grade C, #27 of 179 statewide, top 16%, 881 students, 100% FRL); Biloxi High School (math 65% / reading 53%, grade C+, #7 of 197 statewide, top 3%, 1,728 students, 100% FRL) — zoned schools average 100% FRL vs 59% district-wide (40 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents flat; 201 active listings in the ZIP; 16 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 2,194 units permitted in Harrison County in 2024 (0 in 5+ unit buildings).
• This rent runs 44% of the median local income ($54k/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.
• Harrison County population projected at +27% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 0.1% rent growth), your $41k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 17 days — a 2% lower offer ($143k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1952 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $142,825 (1.5% below list)

Questions for the listing agent

1. Built in 1952 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 1.36% ✓
• Cap rate: 11.56%
• Cash-on-cash: 18.83%
• DSCR: 1.84
• GRM: 6.1

CMA / ARV

• ARV (on-the-fly): $188,032
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
333 Tanglewood Dr	0.72mi	3/2.0	1,688 (+1%)	17mo	$169,900	$101	46
313 Hiller Dr	0.72mi	4/1.5 (+1)	1,576 (-5%)	6mo	$178,000	$113	45
2131 Dwayne Dr	0.75mi	3/1.5	1,745 (+5%)	15mo	$224,900	$129	43
335 Jim Money Rd	0.65mi	3/2.0	1,767 (+6%)	16mo	$249,000	$141	42
345 Jim Money Rd	0.70mi	3/1.0	1,724 (+4%)	23mo	$165,000	$96	42
2035 South Dr	0.61mi	2/2.0 (-1)	1,570 (-6%)	24mo	$159,000	$101	33

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 · 0.05% rent growth · sell at horizon

5-year hold

• IRR: 7.4%
• Equity multiple: 1.28×
• Total profit: $11,367
• Equity at exit: $21,620

10-year hold

• IRR: 14.1%
• Equity multiple: 1.99×
• Total profit: $40,060
• Equity at exit: $12,537

Cash invested: $40,600 (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 39531

• Home prices YoY: -13.0%
• Rents YoY: 0.1%
• Active inventory: 201
• Price-to-rent: 6.1×

Monthly cashflow live

• Estimated rent: $1,972 high
• Mortgage (P&I): −$760
• Tax from tax record: −$100 /mo · $1,202/yr
• Insurance: −$60
• HOA: −$0
• Vacancy / Maint / Mgmt: −$414
• Net cashflow: $637

Break-even live

Break-even rent $1,166

Max offer price $145,000

Occupancy floor 63%

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: $36,250
• Closing costs: $4,350
• Reserves months: —
• Total cash needed: —

Rent comps 16 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2046 Beach Blvd Biloxi, MS	2.0	2.0	1152	$2,200	$1.91	21d	1	0.13mi
2060 Beach Blvd #604 Biloxi, MS	2.0	2.0	1670	$2,849	$1.71	13d	1	0.24mi
310 Abbey Ct Biloxi, MS	2.0–3.0	1.0–2.0	1062	$1,275	$1.20	21d	17	0.60mi
2611 Heidi LN Biloxi, MS	3.0	2.5	1550	$1,775	$1.15	21d	1	0.71mi
340 Hiller Dr Biloxi, MS	3.0	2.0	1447	$1,749	$1.21	21d	1	0.74mi
1805 Irish Hill Dr #4 Biloxi, MS	3.0	2.0	1600	$2,400	$1.50	43d	1	0.85mi
2436 Beach Blvd Biloxi, MS	3.0	2.0	1260	$975	$0.77	44d	1	1.11mi
2387 Trafalgar Dr Biloxi, MS	3.0	2.0	1375	$1,700	$1.24	21d	1	1.12mi
1713 Stevens St Unit A Biloxi, MS	3.0	2.0	1100	$1,300	$1.18	21d	1	1.24mi
390 Bertucci Blvd Biloxi, MS	3.0	2.0	1358	$1,800	$1.33	43d	1	1.28mi
2386 Merlin Cv Biloxi, MS	3.0	2.0	1500	$1,600	$1.07	13d	1	1.32mi
270 Rodenberg Ave Biloxi, MS	3.0	2.0	1180	$1,100	$0.93	43d	1	1.34mi
1737 James Buchanan Dr Biloxi, MS	3.0	2.0	1328	$1,650	$1.24	43d	1	1.34mi
258 Stennis Dr Biloxi, MS	2.0	1.0–2.0	1040	$1,245	$1.20	13d	1	1.37mi
151 Grande View Dr Biloxi, MS	1.0–3.0	1.0–2.0	1268	$1,889	$1.49	13d	23	1.44mi
187 Bilmarsan Dr Biloxi, MS	3.0	2.0	1850	$2,670	$1.44	43d	1	1.47mi

Listing history 10 events

1. 2026-06-09
   days on market $145,000 Active 17 DOM
2. 2026-06-08
   days on market $145,000 Active 16 DOM
3. 2026-06-07
   days on market $145,000 Active 15 DOM
4. 2026-06-05
   days on market $145,000 Active 12 DOM
5. 2026-06-03
   pricedays on market $145,000 Active 11 DOM
6. 2026-06-02
   days on market $149,000 Active 10 DOM
7. 2026-06-01
   days on market $149,000 Active 9 DOM
8. 2026-05-31
   days on market $149,000 Active 8 DOM
9. 2026-05-30
   days on market $149,000 Active 7 DOM
10. 2026-05-23
    listed $149,000 Active

ⓘ 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: $1,202 · $100/mo
• Projected year-2 tax: $1,202 · $100/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 (shaded) · 0% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥105°F today · 23 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,665
• − Mortgage interest: −$8,122
• − Property taxes: −$1,202
• − Insurance: −$725
• − Repairs & maintenance: −$1,893
• − Management: −$1,893
• − Depreciation: −$4,218
• Taxable income: $5,611
• Est. tax owed @ 24.0%: −$1,347
• After-tax cash flow: $6,297/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: Biloxi Public School District
• NCES district ID: 2800630
• Math proficiency: 60% ▼ -7.00%
• Reading proficiency: 48% ▼ -3.00%
• Median HH income: $40,608
• Composite: 45.26/100
• National rank: #2657
• State rank: #7 of 130 in MS

Livability — Biloxi

• Score: 79/100
• State rank: #6
• US rank: #2141

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Biloxi, MS
• County: Harrison County · 178,171 people
• City population: 63,281
• Metro: Gulfport-Biloxi, MS
• Population (ZIP): 18,918
• Household income: $54,218
• Rent vs Own: 61.4% rent · 38.6% own
• Severe rent burden: 1110.0

Population outlook (Harrison County) Hauer SSP2

• Today (2025): 228,444 people
• By 2030: 241,942 · +5.9%
• By 2040: 267,531 · +17.1%
• By 2050: 291,062 · +27.4%
• By 2075: 346,711 · +51.8%
• By 2100: 378,165 · +65.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.60)
• Race & ethnicity: White 60% Black 18% Two or more races 12% Hispanic / Latino 11% Asian 2%
• Hispanic origin (detail): Mexican 5%
• Common ancestry: Lithuanian 6% Slovak 2% Serbian 1%
• Foreign-born: 8% · Canada, Vietnam
• Languages at home: 89% English-only · Spanish 6% Arabic 1% Other Indo-European 1%

Political lean MEDSL · Harrison

• 2024 margin: Strong R (+28.9) · D 35.0% · R 63.9% · Other 1.1%
• 2008→2024 swing: -2.9pp toward R · 2008: -26.0pp · 2024: -28.9pp
• All cycles: 2024: R+28.9 2020: R+25.2 2016: R+30.7 2012: R+26.6 2008: R+26.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -28.97%
• Current HPI: 193.4018
• Rent YoY: ▬ 0.05%
• Metro: Gulfport-Biloxi, MS
• State GDP YoY: —
• F500 in state: 0

Price history

1 event — show timeline

• 2026-05-23 Listed $149,000 MLSU

Property tax history

+10.1%/yr

Latest (2025): $1,202 · +5.3% YoY. Source: county tax records.