ZIP Code 39520 — Bay St. Louis city, MS Demographics & Data

ZIP code 39520 covers Bay St. Louis, MS in Hancock County with a population of about 15,471.

At a glance, the area shows median age of 48.8 versus a U.S. median of about 38.9.

It sits in telephone area code 228; U.S. House district MS-4; the NEW ORLEANS media market.

Median household income in ZIP 39520 is about $65,139 — about 13% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.8%; unemployment rate near 7.2%; 28.1% of adults with a bachelor’s degree or higher (about 5.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Retail trade; about 12.9% of workers reporting work-from-home (about 2.3 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $202,600 — about 42% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $924 (about 21% below the U.S. median rent ($1,163)), and owner-occupancy near 73.5% (about 8.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 39520 in Bay St. Louis, MS, a household would need roughly $56,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,301. That sits below the local median household income ($65,139), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Bay St. Louis city, MS as Relatively Moderate (composite score 82.7), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (95.2) and wildfire (90.4). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Bay St. Louis city, MS show little to no average snow and around 65.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 528 for ZIP 39520 (Bay St. Louis city, MS) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.