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Biloxi city, MS

ZIP 39530 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 39530

Median Home Value
$149,600
Median Rent
$662
Affordability Snapshot
$41,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$961/mo PITI).

20%
Rent-to-Income Ratio

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

3.8x
Home Price-to-Income Ratio

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

18.8 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 39530 in Biloxi city, MS, a household would need roughly $41,000 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 $961. That is roughly in line with the local median household income ($39,755). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
53.3%-19% vs US avg
x
Vacancy Rate
19.8%+92% vs US avg
x
Broadband Access
76.2%-12% vs US avg
x
4+ Bedrooms
1.1%-93% vs US avg
x
Built Pre-1939
11.1%-13% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
22.6%-55% vs US avg
x
Mortgage-Free
53.4%+40% vs US avg
x
$149,600
Home Value
$662
Rent
1971
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached65.9%
  • 1-unit attached1.6%
  • 2-9 units18.9%
  • 10+ units12.4%
  • Mobile home & other1.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$149,600
Median rent$662
Owner-occupied53.3%
Vacant19.8%
Price-to-income3.8x
Est. income to buy$41,000