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Ocean Springs city, MS

ZIP 39564 — 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 39564

Median Home Value
$220,000
Median Rent
$1,099
Affordability Snapshot
$61,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,413/mo PITI).

17%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.7 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 39564 in Ocean Springs city, MS, a household would need roughly $61,000 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 $1,413. That sits below the local median household income ($77,300), 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.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
71.2%+9% vs US avg
x
Vacancy Rate
4.1%-60% vs US avg
x
Broadband Access
92.6%+6% vs US avg
x
4+ Bedrooms
3.8%-74% vs US avg
x
Built Pre-1939
1.1%-91% vs US avg
x
Built Post-2014
2.2%-69% vs US avg
x
Rent Burden >30%
11.2%-77% vs US avg
x
Mortgage-Free
32.4%-15% vs US avg
x
$220,000
Home Value
$1,099
Rent
1991
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 detached81.4%
  • 1-unit attached2.0%
  • 2-9 units6.1%
  • 10+ units8.9%
  • Mobile home & other1.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$220,000
Median rent$1,099
Owner-occupied71.2%
Vacant4.1%
Price-to-income2.8x
Est. income to buy$61,000