Biloxi, Mississippi.
Typical home $241,021 (+3.2% in a year), asking rent $1,341 (+4.0%). Gulfport-Biloxi, MS metro.
to buy the typical home at today's mortgage rate — +$640 (+102%) since Jan 2020.
- 1 year
- Up $7,557 +3%
- $233,464$241,021 since Sep 2025
- 5 years
- Up $37,276 +18%
- $203,745$241,021 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Biloxi$1,265
- Mississippi$1,021
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 21 years.
Typical home values in Biloxi, MS rose 3.2% over the past year — faster than the nation's +1.2%.
Asking rents in Biloxi, MS rose 4.0% over the past year — faster than the nation's +2.7%.
Owning the typical home in Biloxi runs $311/mo more than renting one. The gap peaked at $412 in Apr 2024.
That is $1,653 a month against $1,341 rent: a $1,265 mortgage payment, plus $130 property tax and $258 insurance & upkeep.
Owning vs renting — Biloxi
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$1,653
- Renting$1,341
- Mortgage only$1,265
Property tax · $130/mo 0.65% of value a year — the ACS 2020-2024 median bill over the median home value for Harrison County, MS
Insurance & upkeep · $258/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Biloxi, Harrison County, Mississippi
Biloxi is a city of 49,449 people in Harrison County. Half its households earn more than $57,204 a year and half less, against $59,479 across Harrison County; 16% of its people live below the poverty line. 50% of its homes are lived in by their owners and 50% are rented. Unemployment in Biloxi was 3.0% in August 2026, and Harrison County had 1.2% more jobs in 2025 than the year before. The most residents work in schools and health care, then restaurants and hotels.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Biloxi is a city on the Mississippi Gulf Coast, with a population that includes plenty of younger adults and families. Incomes run a little below the county's, and owners and renters share the housing about evenly. Winters are mild and almost never bring snow, summers are hot, and rain falls steadily through the year.
Work. Many residents work in schools, hospitals and social care, in restaurants, hotels and entertainment, in shops, and in the building trades. Among the largest workplaces in Biloxi are Beau Rivage Resorts, the Veterans Health Administration and Boyd Gaming. Unemployment is lower than it was a year ago, and most people reach work in a fairly short commute.
Things to do. A short drive away, the Mississippi Aquarium and the Ohr-O'Keefe Museum of Art make easy outings, and the Maritime & Seafood Industry Museum tells the story of the coast's working waters. For time outdoors, the Mississippi Sandhill Crane National Wildlife Refuge is also a short drive away. The Biloxi River runs in or beside town.
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- 19,914households
- 31%of adults have a degree
- 16%below the poverty line
- 21 mintypical commute
- 7%work from home
What residents work in
Employed residents by industry, from the Census survey. Harrison County had 90,122 jobs in 2025, 1.2% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 60° and lows near 44°; warmest in August, with highs near 90° and lows near 75°. About 67 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Biloxi weather station, 4 miles away (NOAA).
Largest workplaces in Biloxi
- Beau Rivage ResortsCasino hotels2,634
- Veterans Health AdministrationFederal government · Department of Veterans Affairs2,157
- Boyd GamingHotel casino1,094
- Golden Nugget BiloxiHotels, resort, with casinos838
- Biloxi Public School DistSchool district819FTE
- Treasure Bay CasinoCasino and hotel802
- Caesars EntertainmentCasino hotels509
- Biloxi Regional Medical CenterGeneral hospital332FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 30 workplaces with 20 or more staff, 7,588 people in all. Federal offices come from OPM's federal workforce data (2026), school districts from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- HurricanesRelatively high
- DroughtRelatively moderate
- Coastal floodingrelatively high in parts of BiloxiRelatively moderate
- Lightningrelatively high in parts of BiloxiRelatively moderate
- TornadoesRelatively moderate
- Cold wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Biloxi’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Harrison County and the Gulfport-Biloxi, MS metro.
Biloxi home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Biloxi$241,021
- Mississippi$194,531
- United States$366,157
Sellers are cutting prices on about 1 in 4 Biloxi listings, and the typical home goes pending in 29 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Biloxi25.23%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Biloxi29
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Biloxi381
New listings per month
Sellers arriving at the market.
- Biloxi81
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Biloxi$270,047
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Biloxi96.24%
Zip codes with a Biloxi address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Biloxi — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Biloxi
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 39532 | Biloxi | 36,662 | $1,381 | $279,272 |
| 39531 | Biloxi | 18,918 | $1,287 | $205,581 |
| 39530 | Biloxi | 7,701 | $1,242 | $159,759 |