11673 Talla Dr · Gulf Hills, MS 39564

$422,900

5 bd · 3.0 ba · 3,106 sqft · SingleFamily public records · 164 Days on market

Built 2022 0.26 ac lot $136/sqft · at area comps Est $425k · at est. $33/mo HOA · 1% of rent

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Why this score? — see what drove the D- 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 +12.4/30.0
• ARV discount +7.7/15.0
• Schools +4.4/10.0
• DSCR +3.7/10.0
• Livability +3.6/5.0
• Rent growth +2.8/5.0
• 1% rule +2.7/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Why buy new when you can have this like-new, fully upgraded home in the desirable Talla Pointe subdivision of Ocean Springs? Offering 5 bedrooms, 3 full baths, and a dedicated office, this spacious McKenzie plan — the largest floor plan in the neighborhood — combines modern finishes, thoughtful upgrades, and move-in ready convenience. Luxury vinyl plank flooring flows throughout the entire home, including all bedrooms, while tray ceilings add character to the family room, dining area, and primary suite. The open living area features an electric fireplace with mantle, and the private office is complete with custom doors and a built-in bookcase. Step outside to your screened-in lanai with a hot tub and no rear neighbors, creating the perfect private space to relax or entertain. Additional features include premier front window coverings, smart home technology for temperature and security control, plus the refrigerator, washer, and dryer all remain. Beautifully maintained and better than new, this home also includes a seller-provided home warranty for added peace of mind.

Key facts

• Hot tub
• Screened-in lanai
• Dedicated office

Tags

• DEDICATED OFFICE
• ELECTRIC FIREPLACE
• SCREENED-IN LANAI
• HOT TUB
• SMART HOME TECHNOLOGY
• BUILT-IN BOOKCASE

What this means for you Summary

Snapshot

• This is a 5-bed/3.0-bath single-family listed at $423k.

Deal economics

• At list price, monthly cash flow is $-66 ($-794/yr) — negative.
• To cash-flow at today's rent, offer at most $411k (2.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $326k (22.9% below list).
• Recommended offer: $326k (22.9% below list) — sets the bar for 1% rule.
• Cap rate 6.1% vs local median 4.5% in Gulf Hills — 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 71/100 on livability (#38 in MS) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: employment D+, amenities F, commute F.
• Jackson County School District (rural): math 53% / reading 48% proficiency, ranked #10 of 130 in MS (top 8%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: St Martin East Elementary School (math 67% / reading 57%, grade B, #18 of 375 statewide, top 5%, 685 students, 100% FRL); St. Martin Middle School (math 44% / reading 39%, grade F, #53 of 179 statewide, top 30%, 995 students, 100% FRL); St Martin High School (math 65% / reading 49%, grade C, #8 of 197 statewide, top 4%, 1,283 students, 100% FRL) — zoned schools average 100% FRL vs 50% district-wide (50 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+1.3%/yr); 723 active listings in the ZIP; 2 comparable units currently listed for rent nearby; solid renter incomes; 516 units permitted in Jackson County in 2024 (6 in 5+ unit buildings).
• At $3,259/mo this rent would consume 50% of the median local household income ($79k/yr) (locally 734% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $13k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 164 days — a 12% lower offer ($372k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 4y 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

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 6→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $325,863 (22.9% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 164 days. Have you received any prior offers? Is the seller open to a 23% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
8. 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.
9. 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.
10. 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: 0.77% ✗
• Cap rate: 6.11%
• Cash-on-cash: -0.67%
• DSCR: 0.97
• GRM: 10.8

CMA / ARV

• ARV (median comp): $424,804
• List price: $422,900
• Delta: -0.45%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6021 Penni Ln	0.12mi	5/3.0	3,141 (+1%)	11mo	$425,000	$135	83
11705 Wakeland Ct	0.28mi	5/3.0	3,076 (-1%)	12mo	$425,190	$138	76
6153 Penni Ln	0.30mi	5/3.0	3,100 (-0%)	13mo	$420,900	$136	75
6028 Cardona Dr	0.09mi	5/3.0	2,720 (-12%)	2mo	$410,200	$151	74
6033 Salt Bush Dr	0.08mi	5/3.0	2,720 (-12%)	2mo	$407,909	$150	74
11535 Osage Loop	0.31mi	5/3.0	3,113 (+0%)	16mo	$420,900	$135	72
11589 Paige Cv	0.17mi	4/3.0 (-1)	3,297 (+6%)	12mo	$495,000	$150	66
11543 Osage Loop	0.28mi	4/3.0 (-1)	2,997 (-4%)	19mo	$415,800	$139	60
11555 Osage Loop	0.23mi	4/3.5 (-1)	2,785 (-10%)	16mo	$402,900	$145	51
511 Rue Chateauguay	0.71mi	5/2.5	3,246 (+4%)	11mo	$765,000	$236	48
5813 Moreton Pl	0.52mi	4/2.5 (-1)	2,729 (-12%)	2mo	$549,900	$202	47
11517 Osage Loop	0.33mi	4/3.5 (-1)	2,785 (-10%)	17mo	$402,900	$145	46

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 · 1.31% rent growth · sell at horizon

5-year hold

• IRR: -19.2%
• Equity multiple: 0.34×
• Total profit: $-78,317
• Equity at exit: $63,056

10-year hold

• IRR: -15.3%
• Equity multiple: 0.19×
• Total profit: $-95,744
• Equity at exit: $36,565

Cash invested: $118,412 (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 39564

• Home prices YoY: -26.8%
• Rents YoY: 1.3%
• Active inventory: 723
• Price-to-rent: 10.8×

Monthly cashflow live

• Estimated rent: $3,259 medium
• Mortgage (P&I): −$2,218
• Tax from tax record: −$214 /mo · $2,563/yr
• Insurance: −$176
• HOA: −$33
• Vacancy / Maint / Mgmt: −$684
• Net cashflow: $-66

Break-even live

Break-even rent $3,342

Max offer price $411,208

Occupancy floor 97%

Sensitivity live

Price	-10% $173	-5% $54	+0% $-66	+5% $-186	+10% $-306
Rent	-10% $-324	-5% $-195	+0% $-66	+5% $63	+10% $191
Rate	-1.0pp $147	-0.5pp $41	base $-66	+0.5pp $-176	+1.0pp $-287

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: $105,725
• Closing costs: $12,687
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
107 Surgeres Pl Ocean Springs, MS	4.0	2.5	2830	$3,400	$1.20	46d	1	0.93mi
1220 Sunset Dr Ocean Springs, MS	4.0	3.0	3485	$3,950	$1.13	45d	1	1.12mi

HOA detail

• Monthly dues: $33 · $396/yr
• Likely covers: electricsecurity

Listing history 34 events

1. 2026-06-21
   days on market $422,900 Active 164 DOM
2. 2026-06-18
   days on market $422,900 Active 161 DOM
3. 2026-06-17
   days on market $422,900 Active 160 DOM
4. 2026-06-16
   days on market $422,900 Active 159 DOM
5. 2026-06-15
   days on market $422,900 Active 158 DOM
6. 2026-06-14
   days on market $422,900 Active 156 DOM
7. 2026-06-13
   days on market $422,900 Active 155 DOM
8. 2026-06-10
   days on market $422,900 Active 153 DOM
9. 2026-06-09
   days on market $422,900 Active 152 DOM
10. 2026-06-07
    days on market $422,900 Active 151 DOM
11. 2026-06-05
    days on market $422,900 Active 148 DOM
12. 2026-06-03
    days on market $422,900 Active 147 DOM
13. 2026-06-03
    remarks 699-char remark
14. 2026-06-03
    price $422,900 Active 146 DOM
15. 2026-06-02
    days on market $423,000 Active 146 DOM
16. 2026-06-01
    days on market $423,000 Active 145 DOM
17. 2026-05-31
    days on market $423,000 Active 144 DOM
18. 2026-05-30
    days on market $423,000 Active 143 DOM
19. 2026-05-19
    price $423,500 1096-char remark

    Show marketing remark (1096 chars)

    Why buy new when you can have this like-new, fully upgraded home in the desirable Talla Pointe subdivision of Ocean Springs? Offering 5 bedrooms, 3 full baths, and a dedicated office, this spacious McKenzie plan — the largest floor plan in the neighborhood — combines modern finishes, thoughtful upgrades, and move-in ready convenience. Luxury vinyl plank flooring flows throughout the entire home, including all bedrooms, while tray ceilings add character to the family room, dining area, and primary suite. The open living area features an electric fireplace with mantle, and the private office is complete with custom doors and a built-in bookcase. Step outside to your screened-in lanai with a hot tub and no rear neighbors, creating the perfect private space to relax or entertain. Additional features include premier front window coverings, smart home technology for temperature and security control, plus the refrigerator, washer, and dryer all remain. Beautifully maintained and better than new, this home also includes a seller-provided home warranty for added peace of mind.

20. 2026-04-01
    price $424,500 1096-char remark

    Show marketing remark (1096 chars)

    Why buy new when you can have this like-new, fully upgraded home in the desirable Talla Pointe subdivision of Ocean Springs? Offering 5 bedrooms, 3 full baths, and a dedicated office, this spacious McKenzie plan — the largest floor plan in the neighborhood — combines modern finishes, thoughtful upgrades, and move-in ready convenience. Luxury vinyl plank flooring flows throughout the entire home, including all bedrooms, while tray ceilings add character to the family room, dining area, and primary suite. The open living area features an electric fireplace with mantle, and the private office is complete with custom doors and a built-in bookcase. Step outside to your screened-in lanai with a hot tub and no rear neighbors, creating the perfect private space to relax or entertain. Additional features include premier front window coverings, smart home technology for temperature and security control, plus the refrigerator, washer, and dryer all remain. Beautifully maintained and better than new, this home also includes a seller-provided home warranty for added peace of mind.

21. 2026-03-02
    price $429,500 1096-char remark

    Show marketing remark (1096 chars)

    Why buy new when you can have this like-new, fully upgraded home in the desirable Talla Pointe subdivision of Ocean Springs? Offering 5 bedrooms, 3 full baths, and a dedicated office, this spacious McKenzie plan — the largest floor plan in the neighborhood — combines modern finishes, thoughtful upgrades, and move-in ready convenience. Luxury vinyl plank flooring flows throughout the entire home, including all bedrooms, while tray ceilings add character to the family room, dining area, and primary suite. The open living area features an electric fireplace with mantle, and the private office is complete with custom doors and a built-in bookcase. Step outside to your screened-in lanai with a hot tub and no rear neighbors, creating the perfect private space to relax or entertain. Additional features include premier front window coverings, smart home technology for temperature and security control, plus the refrigerator, washer, and dryer all remain. Beautifully maintained and better than new, this home also includes a seller-provided home warranty for added peace of mind.

22. 2026-02-05
    price $434,500 1096-char remark

    Show marketing remark (1096 chars)

    Why buy new when you can have this like-new, fully upgraded home in the desirable Talla Pointe subdivision of Ocean Springs? Offering 5 bedrooms, 3 full baths, and a dedicated office, this spacious McKenzie plan — the largest floor plan in the neighborhood — combines modern finishes, thoughtful upgrades, and move-in ready convenience. Luxury vinyl plank flooring flows throughout the entire home, including all bedrooms, while tray ceilings add character to the family room, dining area, and primary suite. The open living area features an electric fireplace with mantle, and the private office is complete with custom doors and a built-in bookcase. Step outside to your screened-in lanai with a hot tub and no rear neighbors, creating the perfect private space to relax or entertain. Additional features include premier front window coverings, smart home technology for temperature and security control, plus the refrigerator, washer, and dryer all remain. Beautifully maintained and better than new, this home also includes a seller-provided home warranty for added peace of mind.

23. 2026-01-07
    listed $439,500 Active 1096-char remark

    Show marketing remark (1096 chars)

    Why buy new when you can have this like-new, fully upgraded home in the desirable Talla Pointe subdivision of Ocean Springs? Offering 5 bedrooms, 3 full baths, and a dedicated office, this spacious McKenzie plan — the largest floor plan in the neighborhood — combines modern finishes, thoughtful upgrades, and move-in ready convenience. Luxury vinyl plank flooring flows throughout the entire home, including all bedrooms, while tray ceilings add character to the family room, dining area, and primary suite. The open living area features an electric fireplace with mantle, and the private office is complete with custom doors and a built-in bookcase. Step outside to your screened-in lanai with a hot tub and no rear neighbors, creating the perfect private space to relax or entertain. Additional features include premier front window coverings, smart home technology for temperature and security control, plus the refrigerator, washer, and dryer all remain. Beautifully maintained and better than new, this home also includes a seller-provided home warranty for added peace of mind.

24. 2022-05-27
    price $431,148 794-char remark

    Show marketing remark (794 chars)

    The brand new brick ''McKenzie'' split floorplan with spacious open living layout is perfect for entertaining. Features include double tray ceilings with crown molding, fireplace, gourmet kitchen with island bar, designer soft close cabinets, quartz countertops, subway tile backsplash, farmhouse sink, built-in stainless steal appliances, formal dining, study, separate tile shower and garden tub in the owner's suite, and 2 car garage. This energy efficient brick home includes a Smart Home package and warranties. Enjoy the nature view from your covered back porch within minutes from all the Coast has to offer- beaches, casinos, shopping, military bases and more. *Home is under construction- completion early June. Pics are of another home, same floor plan. Options & colors may vary*

25. 2022-05-27
    soldstatus Closed 794-char remark

    Show marketing remark (794 chars)

    The brand new brick ''McKenzie'' split floorplan with spacious open living layout is perfect for entertaining. Features include double tray ceilings with crown molding, fireplace, gourmet kitchen with island bar, designer soft close cabinets, quartz countertops, subway tile backsplash, farmhouse sink, built-in stainless steal appliances, formal dining, study, separate tile shower and garden tub in the owner's suite, and 2 car garage. This energy efficient brick home includes a Smart Home package and warranties. Enjoy the nature view from your covered back porch within minutes from all the Coast has to offer- beaches, casinos, shopping, military bases and more. *Home is under construction- completion early June. Pics are of another home, same floor plan. Options & colors may vary*

26. 2022-05-16
    price $432,200 794-char remark

    Show marketing remark (794 chars)

    The brand new brick ''McKenzie'' split floorplan with spacious open living layout is perfect for entertaining. Features include double tray ceilings with crown molding, fireplace, gourmet kitchen with island bar, designer soft close cabinets, quartz countertops, subway tile backsplash, farmhouse sink, built-in stainless steal appliances, formal dining, study, separate tile shower and garden tub in the owner's suite, and 2 car garage. This energy efficient brick home includes a Smart Home package and warranties. Enjoy the nature view from your covered back porch within minutes from all the Coast has to offer- beaches, casinos, shopping, military bases and more. *Home is under construction- completion early June. Pics are of another home, same floor plan. Options & colors may vary*

27. 2022-05-16
    status Pending 794-char remark

    Show marketing remark (794 chars)

    The brand new brick ''McKenzie'' split floorplan with spacious open living layout is perfect for entertaining. Features include double tray ceilings with crown molding, fireplace, gourmet kitchen with island bar, designer soft close cabinets, quartz countertops, subway tile backsplash, farmhouse sink, built-in stainless steal appliances, formal dining, study, separate tile shower and garden tub in the owner's suite, and 2 car garage. This energy efficient brick home includes a Smart Home package and warranties. Enjoy the nature view from your covered back porch within minutes from all the Coast has to offer- beaches, casinos, shopping, military bases and more. *Home is under construction- completion early June. Pics are of another home, same floor plan. Options & colors may vary*

28. 2022-05-06
    price $422,800 794-char remark

    Show marketing remark (794 chars)

    The brand new brick ''McKenzie'' split floorplan with spacious open living layout is perfect for entertaining. Features include double tray ceilings with crown molding, fireplace, gourmet kitchen with island bar, designer soft close cabinets, quartz countertops, subway tile backsplash, farmhouse sink, built-in stainless steal appliances, formal dining, study, separate tile shower and garden tub in the owner's suite, and 2 car garage. This energy efficient brick home includes a Smart Home package and warranties. Enjoy the nature view from your covered back porch within minutes from all the Coast has to offer- beaches, casinos, shopping, military bases and more. *Home is under construction- completion early June. Pics are of another home, same floor plan. Options & colors may vary*

29. 2022-05-05
    price $422,900 794-char remark

    Show marketing remark (794 chars)

    The brand new brick ''McKenzie'' split floorplan with spacious open living layout is perfect for entertaining. Features include double tray ceilings with crown molding, fireplace, gourmet kitchen with island bar, designer soft close cabinets, quartz countertops, subway tile backsplash, farmhouse sink, built-in stainless steal appliances, formal dining, study, separate tile shower and garden tub in the owner's suite, and 2 car garage. This energy efficient brick home includes a Smart Home package and warranties. Enjoy the nature view from your covered back porch within minutes from all the Coast has to offer- beaches, casinos, shopping, military bases and more. *Home is under construction- completion early June. Pics are of another home, same floor plan. Options & colors may vary*

30. 2022-05-05
    status Active 794-char remark

    Show marketing remark (794 chars)

    The brand new brick ''McKenzie'' split floorplan with spacious open living layout is perfect for entertaining. Features include double tray ceilings with crown molding, fireplace, gourmet kitchen with island bar, designer soft close cabinets, quartz countertops, subway tile backsplash, farmhouse sink, built-in stainless steal appliances, formal dining, study, separate tile shower and garden tub in the owner's suite, and 2 car garage. This energy efficient brick home includes a Smart Home package and warranties. Enjoy the nature view from your covered back porch within minutes from all the Coast has to offer- beaches, casinos, shopping, military bases and more. *Home is under construction- completion early June. Pics are of another home, same floor plan. Options & colors may vary*

31. 2022-03-21
    status Pending 794-char remark

    Show marketing remark (794 chars)

    The brand new brick ''McKenzie'' split floorplan with spacious open living layout is perfect for entertaining. Features include double tray ceilings with crown molding, fireplace, gourmet kitchen with island bar, designer soft close cabinets, quartz countertops, subway tile backsplash, farmhouse sink, built-in stainless steal appliances, formal dining, study, separate tile shower and garden tub in the owner's suite, and 2 car garage. This energy efficient brick home includes a Smart Home package and warranties. Enjoy the nature view from your covered back porch within minutes from all the Coast has to offer- beaches, casinos, shopping, military bases and more. *Home is under construction- completion early June. Pics are of another home, same floor plan. Options & colors may vary*

32. 2022-03-20
    price $419,700 794-char remark

    Show marketing remark (794 chars)

    The brand new brick ''McKenzie'' split floorplan with spacious open living layout is perfect for entertaining. Features include double tray ceilings with crown molding, fireplace, gourmet kitchen with island bar, designer soft close cabinets, quartz countertops, subway tile backsplash, farmhouse sink, built-in stainless steal appliances, formal dining, study, separate tile shower and garden tub in the owner's suite, and 2 car garage. This energy efficient brick home includes a Smart Home package and warranties. Enjoy the nature view from your covered back porch within minutes from all the Coast has to offer- beaches, casinos, shopping, military bases and more. *Home is under construction- completion early June. Pics are of another home, same floor plan. Options & colors may vary*

33. 2022-03-04
    price $415,900 794-char remark

    Show marketing remark (794 chars)

    The brand new brick ''McKenzie'' split floorplan with spacious open living layout is perfect for entertaining. Features include double tray ceilings with crown molding, fireplace, gourmet kitchen with island bar, designer soft close cabinets, quartz countertops, subway tile backsplash, farmhouse sink, built-in stainless steal appliances, formal dining, study, separate tile shower and garden tub in the owner's suite, and 2 car garage. This energy efficient brick home includes a Smart Home package and warranties. Enjoy the nature view from your covered back porch within minutes from all the Coast has to offer- beaches, casinos, shopping, military bases and more. *Home is under construction- completion early June. Pics are of another home, same floor plan. Options & colors may vary*

34. 2022-02-25
    listed $412,900 Active 794-char remark

    Show marketing remark (794 chars)

    The brand new brick ''McKenzie'' split floorplan with spacious open living layout is perfect for entertaining. Features include double tray ceilings with crown molding, fireplace, gourmet kitchen with island bar, designer soft close cabinets, quartz countertops, subway tile backsplash, farmhouse sink, built-in stainless steal appliances, formal dining, study, separate tile shower and garden tub in the owner's suite, and 2 car garage. This energy efficient brick home includes a Smart Home package and warranties. Enjoy the nature view from your covered back porch within minutes from all the Coast has to offer- beaches, casinos, shopping, military bases and more. *Home is under construction- completion early June. Pics are of another home, same floor plan. Options & colors may vary*

ⓘ 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: $2,563 · $214/mo
• Projected year-2 tax: $3,341 · $278/mo
• Expected delta: +$778/yr (+$65/mo · 30.4%)

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

Climate risk First Street

• 🌊 Flood 3/10 Moderate FEMA zone X (unshaded) · 9% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 10/10 Extreme 6 d/yr ≥107°F today · 19 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $39,104
• − Mortgage interest: −$23,689
• − Property taxes: −$2,563
• − Insurance: −$2,114
• − Repairs & maintenance: −$3,128
• − Management: −$3,128
• − HOA: −$396
• − Depreciation: −$12,303
• Taxable loss: −$8,218
• Est. tax savings @ 24.0%: +$1,972
• After-tax cash flow: $1,178/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 County School District
• NCES district ID: 2802160
• Math proficiency: 53% ▼ -5.00%
• Reading proficiency: 48% ▼ -5.00%
• Median HH income: $53,569
• Composite: 43.57/100
• National rank: #2980
• State rank: #10 of 130 in MS

Livability — Gulf Hills

• Score: 71/100
• State rank: #38
• US rank: #7310

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Gulf Hills, MS
• County: Jackson County · 82,196 people
• Metro: Gulfport-Biloxi, MS
• Population (ZIP): 43,240
• Household income: $78,596
• Rent vs Own: 27.8% rent · 72.2% own
• Severe rent burden: 734.0

Population outlook (Jackson County) Hauer SSP2

• Today (2025): 146,926 people
• By 2030: 148,442 · +1.0%
• By 2040: 149,631 · +1.8%
• By 2050: 148,723 · +1.2%
• By 2075: 147,845 · +0.6%
• By 2100: 144,510 · -1.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (74%)
• Race & ethnicity: White 74% Black 10% Hispanic / Latino 8% Two or more races 7% Asian 4%
• Hispanic origin (detail): Mexican 3% Puerto Rican 2%
• Common ancestry: Lithuanian 5% Slovak 4% Romanian 2%
• Foreign-born: 5% · Canada, South Korea, Vietnam
• Languages at home: 93% English-only · Spanish 3% Vietnamese 2% Tagalog/Filipino 1%

Political lean MEDSL · Jackson

• 2024 margin: Solid R (+39.9) · D 29.5% · R 69.4% · Other 1.1%
• 2008→2024 swing: -6.4pp toward R · 2008: -33.5pp · 2024: -39.9pp
• All cycles: 2024: R+39.9 2020: R+34.6 2016: R+39.9 2012: R+36.1 2008: R+33.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -74.77%
• Current HPI: 204.2244
• Rent YoY: ▲ 1.31%
• Metro: Gulfport-Biloxi, MS
• State GDP YoY: —
• F500 in state: 0

Price history

+2.6% since first listed

16 events — show timeline

• 2026-05-19 Price Changed $423,500 MLSU
• 2026-04-01 Price Changed $424,500 MLSU
• 2026-03-02 Price Changed $429,500 MLSU
• 2026-02-05 Price Changed $434,500 MLSU
• 2026-01-07 Listed $439,500 MLSU
• 2022-05-27 Price Changed $431,148 MLSU
• 2022-05-27 Sold (MLS) — MLSU
• 2022-05-16 Price Changed $432,200 MLSU
• 2022-05-16 Pending — MLSU
• 2022-05-06 Price Changed $422,800 MLSU
• 2022-05-05 Price Changed $422,900 MLSU
• 2022-05-05 Relisted — MLSU
• 2022-03-21 Pending — MLSU
• 2022-03-20 Price Changed $419,700 MLSU
• 2022-03-04 Price Changed $415,900 MLSU
• 2022-02-25 Listed $412,900 MLSU

Property tax history

+45.7%/yr

Latest (2025): $2,563 · -1.2% YoY. Source: county tax records.