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City · 48,861 residents · Harrison County, Mississippi

Biloxi , Mississippi

In Biloxi, a typical home is worth $225,100 and typical rent is $1,089 a month. Compared with all of Harrison County, the typical home value is 6% higher and the share of households that own their home is 12 points lower.

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  • Typical home value

    $225,100

    6% above the county

    33% above Mississippi

    • Biloxi
    • Harrison
    • Mississippi

  • Typical rent

    $1,089a month

    2% below the county

    14% above Mississippi

    • Biloxi
    • Harrison
    • Mississippi

  • Typical household income

    $57,204a year

    4% below the county

    About the same as Mississippi

    • Biloxi
    • Harrison
    • Mississippi

  • Households that own their home

    50%

    12 points below the county

    20 points below Mississippi

    • Biloxi
    • Harrison
    • Mississippi

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$241,021
3.2% more than 12 months ago
Typical rent
$1,341 a month
4% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Biloxi is in Harrison County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Harrison County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Biloxi apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in St. Martin, the typical home value is $172,400: 23% less than in Biloxi ($225,100).

  2. 50% of households in Biloxi own their home, against 62% in Harrison County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Biloxi

What homes there are in Biloxi, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses are the majority in Biloxi (53%), but less so than in Harrison County (66%).

Year built

Homes in Biloxi are older: the typical year built is 1990; in Harrison County, 1994.

In Biloxi, 16% of homes have 1 bedroom or none (studios); 57% have 3 bedrooms or more, against 68% in Harrison County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The FHA loan limit for Harrison County is $541,287, and about 94% of owner-occupied homes in Biloxi are worth less than that.

Monthly rent with utilities

Measured against HUD's 2-bedroom fair market rent ($1,185), about 56% of rented homes in Biloxi cost less.

With a mortgage

$1,670 a month

Harrison County: $1,495 a month

Without a mortgage

$508 a month

Harrison County: $477 a month

Owners with a mortgage

56%

Harrison County: 57%

In Biloxi, 56% of owners have a mortgage, and their typical cost is $1,670 a month, against $1,495 in Harrison County. Without one it drops to $508.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, home values in Biloxi rose at about the same pace as in Harrison County: 39% against 41%.

Much as in Harrison County, the typical rent in Biloxi rose 26% since 2015–2019.

Here income did not keep up with housing: it rose 19%, while home values changed +39% and rent +26%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureBiloxiHarrison CountyMississippiUnited States
Rental vacancy 7.7%6.8%8.2%5.5%
Homeowner vacancy Unreliable estimate0.9%0.8%0.9%
More than one person per room 2.3%1.8%2.2%3.4%
People per household 2.342.482.492.53
Drive alone 73%78%82%69%
Carpool 9%10%9%9%
Public transit Unreliable estimate0%0%3%
Walk or bike 9%4%1%3%
Work from home 7%7%6%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Biloxi, the rental vacancy rate is 7.7%, about the same as in Harrison County.

More than one person per room: that is how 2.3% of households in Biloxi live, near the figure in Harrison County (1.8%).

Households in Biloxi are smaller: 2.34 people on average; in Harrison County, 2.48.

Many here get to work on foot or by bike: 9%, more than in Harrison County (4%).

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Biloxi?

A typical home costs more than the typical income allows

We start with a typical home in Biloxi, worth $225,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Biloxi, which is $57,204 a year. For that payment to be 28% of income, a household would need to earn about $77,279 a year.

The calculator's FHA and conventional loan limits are those of all of Harrison County.

Your numbers

Local data
$

Starts at the typical home value in Biloxi. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $7,879 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,803

at 7.18% · 30 years

Loan amount
$221,022
Total interest
$317,999
Paid off in
November 2056

Includes $3,801 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,335 a month

  • Tight

    $1,335 to $1,716 a month

  • Hard

    more than $1,716 a month

    Your payment · 38%

Compared with the typical household income in Biloxi ($57,204 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,803
Principal & interest$1,497
Property tax$113
Home insurance$94
FHA mortgage insurance (MIP)$100

You need at least $7,879 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Biloxi and Harrison County

Biloxi is in Harrison County, Mississippi. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Biloxi's own numbers

Typical home value
$225,100
Typical monthly rent
$1,089
Typical yearly household income
$57,204
Households that own their home
50%
Effective property tax rate
0.6%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Harrison County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,185
Price change over 5 years (FHFA)
+44%
Homes in a high flood-risk zone
14%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Harrison County.

Everything about Harrison County

Buying

Buying a home in Biloxi

A typical home in Biloxi is worth $225,100: 6% above the county and 33% above Mississippi. With the typical household income in Biloxi ($57,204 a year), a typical home costs 3.9 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Biloxi 3.9 years
  • Harrison 3.6 years
  • Mississippi 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Harrison County

According to FHFA’s house price index, home prices in Harrison County rose 72% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Harrison County.

Period County Mississippi U.S.
Last year (2025) +1.4% +3.5% +2.9%
5 years (2020–2025) +44% +42% +47%
10 years (2015–2025) +72% +62% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Biloxi next to Harrison County, Mississippi and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Biloxi $225,100
  • Harrison $212,200
  • Mississippi $169,800
  • United States $332,700
Typical monthly rent
  • Biloxi $1,089
  • Harrison $1,115
  • Mississippi $954
  • United States $1,413
Typical yearly household income
  • Biloxi $57,204
  • Harrison $59,479
  • Mississippi $56,447
  • United States $80,734
See the full table
Biloxi next to Harrison County and Mississippi
Measure Biloxi Harrison County Mississippi U.S.
Typical home value $225,100 $212,200 $169,800 $332,700
Typical monthly rent $1,089 $1,115 $954 $1,413
Typical yearly household income $57,204 $59,479 $56,447 $80,734
Households that own their home 50% 62% 70% 65%
Typical yearly property tax $1,354 $1,370 $1,215 $3,119
Effective property tax rate 0.6% 0.65% 0.72% 0.94%
Renters with high rent for their income 47% 50% 51% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Harrison County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Biloxi

For a typical $225,100 home in Biloxi, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Biloxi's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,803a month

    Least cash to close
    Down payment
    $7,879
    Cash to close
    $14,632
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $100

  • Conventional, 5% down $1,762a month

    Down payment
    $11,255
    Cash to close
    $18,008
    Rate
    7.18%
    Mortgage insurance
    PMI · $107

  • Conventional, 20% down, no PMI $1,426a month

    Down payment
    $45,020
    Cash to close
    $51,773
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,634a month

    Down payment
    $33,765
    Cash to close
    $40,518
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Biloxi and for Harrison County.

Property tax

Effective rate in Biloxi

0.6%of the home’s value each year

$1,354 a year for the typical owner in Biloxi.

  • Biloxi 0.6%
  • Harrison 0.65%
  • Mississippi 0.72%

What Mississippi publishes Regular homestead exemption (Tier 1) (Mississippi Department of Revenue)

Exemptions and deadlines in Mississippi

Flood risk in Harrison County

FEMA does not publish these numbers by city: they are for all of Harrison County.

Homes in the high-risk zone
14%
10,451
Of those, with NFIP insurance
62%
County Mississippi U.S.
Homes in the high-risk zone 14% 7.6% 3.5%
Of those, with NFIP insurance 62% 33% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Biloxi

Typical rent in Biloxi is $1,089 a month: 2% below the county. In Biloxi, 47% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Harrison County, by unit size. To pay the 2-bedroom one ($1,185 a month) without spending more than 30% of your income, you would need to earn $22.79 an hour working full time.

HUD fair market rent for all of Harrison County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $844 $16.23 $33,760
1 bedroom $982 $18.88 $39,280
2 bedrooms $1,185 $22.79 $47,400
3 bedrooms $1,525 $29.33 $61,000
4 bedrooms $1,723 $33.13 $68,920

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Biloxi

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Biloxi has 4 ZIP codes with their own.

For 2 bedrooms it runs from $1,030 in 39530 to $1,200 in 39532.

1 of the 4 is above the fair market rent for Harrison County ($1,185).

  • 39530 $1,030$1,330
  • 39531 $1,180$1,520
  • 39532 $1,200$1,580
  • 39534 $1,030$1,330

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Biloxi when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Biloxi

HUD lists 16 buildings with rents for lower incomes in Biloxi. These are the largest.

  • The Gates of Biloxi 7285 Woolmarket Rd, Biloxi 39532 224 homes, 222 low-income · 1 bd: 32 · 2 bd: 120 · 3 bd: 72 · In service since 2009
  • Santa Maria del Mar 1788 Medical Park Dr, Biloxi 39532 209 homes, 205 low-income · For older adults (228) 432-1289
  • Bayview Place 401 Dr Gilbert Mason Dr, Biloxi 39530 196 low-income homes · 1 bd: 17 · 2 bd: 115 · 3 bd: 59 · 4 bd: 5 · In service since 2008 · For people with disabilities
  • Bayou Bay 264 Stennis Dr, Biloxi 39531 150 homes, 143 low-income · For families (228) 388-4537
  • Providence Pointe I 890 Motsie Rd, Biloxi 39532 144 homes, 143 low-income · 2 bd: 64 · 3 bd: 64 · 4 bd: 16 · In service since 1997 · For people with disabilities, families

See all 61 buildings in Harrison County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Biloxi

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 2 HUD-approved agencies with an office in Harrison County; 1 says it serves in Spanish.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Biloxi

No down payment, repair or rent-help program on our list is for Biloxi or Harrison County. The ones below are statewide in Mississippi: they work in Biloxi the same as in the rest of the state.

Which programs do I qualify for? All programs in Mississippi

  • Smart7 Mortgage Program

    Statewide in Mississippi

    Mississippi state corporation 30-year mortgage with $7,000 for the down payment or closing costs as a 0% second mortgage, repaid when you sell, refinance, stop living in the home or pay off the mortgage; no first-time buyer requirement. Offered by Mississippi Home Corporation (MHC).

    Deferred

    See the program Official page

  • Easy8

    Statewide in Mississippi

    Mississippi state corporation 30-year mortgage with $8,000 at 0% as a second mortgage for the down payment, closing costs or prepaid expenses, repaid when you sell, refinance, stop living in the home or pay off the mortgage; for first-time buyers, except in designated areas and for veterans. Offered by Mississippi Home Corporation (MHC).

    Deferred

    See the program Official page

  • Home4All

    Statewide in Mississippi

    Mississippi state corporation forgivable grant, with federal HOME funds, of up to $25,000 for the down payment, closing costs or to reduce the principal; for first-time buyers with incomes under 80% of the area median and a fixed-rate mortgage; if you sell before 5 or 10 years (depending on the amount), you may repay part of it. Offered by Mississippi Home Corporation (MHC).

    Grant

    See the program Official page

Housing counselors near Biloxi

The HUD-approved agencies closest to the center of Biloxi, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Mercy Housing and Human Development

    1135 Ford St, Gulfport · 5 miles away · Spanish

    Also serves in Vietnamese.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (228) 896-1945

  • Renaissance Community Loan Fund

    8917 Lorraine Rd, Gulfport · 6 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (228) 896-3386

  • Hancock Housing Resource Center

    887 Washington St, Bay Saint Louis · 26 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (228) 463-8887

Every agency in Harrison County All counseling agencies in Mississippi

Help in Spanish near Biloxi

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Biloxi

HUD’s record names them for Biloxi or Harrison County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • The Housing Authority of the City of Biloxi Public housing and Section 8 vouchers (228) 374-7771

One other authority has an office in Harrison County: see the list Source: HUD

Cities

Other cities in Harrison County

These cities are also in Harrison County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Harrison County Housing in Mississippi

Nearby cities

The cities closest to Biloxi, with the typical home value.

Neighboring counties

If Harrison County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Biloxi.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Biloxi

Short answers with the numbers for Biloxi and all of Harrison County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Biloxi?

The typical home value in Biloxi is $225,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Harrison County it is $212,200.

How much does it cost to rent in Biloxi?

Typical rent in Biloxi is $1,089 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Harrison County is $1,185.

What is the FHA loan limit in Biloxi?

Biloxi uses the FHA limit for all of Harrison County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Biloxi?

The typical homeowner in Biloxi pays $1,354 a year, according to the U.S. Census Bureau. That is 0.6% of the home’s value; in Harrison County, the rate is 0.65%.

Where can I find free help to buy or rent in Biloxi?

There are 2 HUD-approved counseling agencies with an office in Harrison County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).