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Biloxi city, MS

ZIP 39531 — 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 39531

Median Home Value
$193,700
Median Rent
$906
Affordability Snapshot
$53,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,244/mo PITI).

20%
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.

17.8 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 39531 in Biloxi city, MS, a household would need roughly $53,000 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 $1,244. That is roughly in line with the local median household income ($54,599). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
37.7%-42% vs US avg
x
Vacancy Rate
18.4%+79% vs US avg
x
Broadband Access
85.8%-1% vs US avg
x
4+ Bedrooms
2.3%-84% vs US avg
x
Built Pre-1939
2.6%-80% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
19.3%-61% vs US avg
x
Mortgage-Free
40.1%+5% vs US avg
x
$193,700
Home Value
$906
Rent
1986
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached40.7%
  • 1-unit attached10.6%
  • 2-9 units19.3%
  • 10+ units28.5%
  • Mobile home & other0.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$193,700
Median rent$906
Owner-occupied37.7%
Vacant18.4%
Price-to-income3.5x
Est. income to buy$53,000