Investing in Jackson County
Jackson County covers 3 rental markets we actively finance in Mississippi — Gautier, Ocean Springs, Pascagoula. Across those markets the median investment basis averages $221,667, a long-term lease averages $1,183/month, and the average all-in PITIA on a DSCR loan at the minimum down payment is $1,736. That produces a county-wide average DSCR ratio near 0.69x.
Basis varies more inside Jackson County than the average suggests. Pascagoula is the lowest entry point at roughly $165,000, while Pascagoula currently models the strongest coverage ratio in the county at 0.71x. When two towns in the same county ratio differently, it is almost always the rent-to-price relationship rather than the rate — the same loan pricing applies county-wide, so the deal is won on which submarket you buy in.