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Biloxi city, MS

ZIP 39532 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 39532

Median Home Value
$227,400
Median Rent
$896
Affordability Snapshot
$63,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,461/mo PITI).

16%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.5x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

21.1 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 39532 in Biloxi city, MS, a household would need roughly $63,000 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 $1,461. That is roughly in line with the local median household income ($65,892). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
62.4%-5% vs US avg
x
Vacancy Rate
8.6%-16% vs US avg
x
Broadband Access
90.9%+4% vs US avg
x
4+ Bedrooms
2.9%-80% vs US avg
x
Built Pre-1939
0.4%-97% vs US avg
x
Built Post-2014
1.1%-85% vs US avg
x
Rent Burden >30%
13.8%-72% vs US avg
x
Mortgage-Free
40.6%+6% vs US avg
x
$227,400
Home Value
$896
Rent
1997
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached62.8%
  • 1-unit attached1.5%
  • 2-9 units9.4%
  • 10+ units15.9%
  • Mobile home & other10.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$227,400
Median rent$896
Owner-occupied62.4%
Vacant8.6%
Price-to-income3.5x
Est. income to buy$63,000