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City · 73,003 residents · Harrison County, Mississippi

Gulfport , Mississippi

In Gulfport, a typical home is worth $174,600 and typical rent is $1,086 a month. Compared with all of Harrison County, the typical home value is 18% lower, typical household income is 16% lower, and the share of households that own their home is 7 points lower.

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  • Typical home value

    $174,600

    18% below the county

    3% above Mississippi

    • Gulfport
    • Harrison
    • Mississippi

  • Typical rent

    $1,086a month

    3% below the county

    14% above Mississippi

    • Gulfport
    • Harrison
    • Mississippi

  • Typical household income

    $49,919a year

    16% below the county

    12% below Mississippi

    • Gulfport
    • Harrison
    • Mississippi

  • Households that own their home

    55%

    7 points below the county

    15 points below Mississippi

    • Gulfport
    • Harrison
    • Mississippi

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

Market now, with Zillow data

Zillow data
Typical home value
$206,122
2.2% more than 12 months ago
Typical rent
$1,467 a month
2.5% more than 12 months ago

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

Gulfport 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 Gulfport apart

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

  1. The typical home in Gulfport is worth $174,600, 18% less than in Harrison County as a whole ($212,200).

  2. The typical household income in Gulfport is $49,919, 16% less than in Harrison County as a whole ($59,479).

  3. 55% of households in Gulfport own their home, against 62% in Harrison County.

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

The homes here

Housing in Gulfport

What homes there are in Gulfport, 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

In Gulfport, 7 in 10 homes are single-family detached houses, about the same as in Harrison County.

Year built

The typical home in Gulfport was built in 1986, 8 years before the typical one in Harrison County.

In Gulfport, 12% of homes have 1 bedroom or none (studios); 63% 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

About 94% of owner-occupied homes in Gulfport are worth less than the FHA loan limit for Harrison County ($541,287).

Monthly rent with utilities

About 59% of rented homes in Gulfport cost less than HUD's 2-bedroom fair market rent for Harrison County ($1,185); the rest cost more.

With a mortgage

$1,339 a month

Harrison County: $1,495 a month

Without a mortgage

$458 a month

Harrison County: $477 a month

Owners with a mortgage

60%

Harrison County: 57%

In Gulfport, 60% of owners have a mortgage, and their typical cost is $1,339 a month, against $1,495 in Harrison County. Without one it drops to $458.

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

The typical home value in Gulfport rose 43% since 2015–2019, about the same as in Harrison County (41%).

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

While home values in Gulfport changed +43% and rent +26%, the typical household income rose 27%.

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

MeasureGulfportHarrison CountyMississippiUnited States
Rental vacancy 6.9%6.8%8.2%5.5%
Homeowner vacancy Unreliable estimate0.9%0.8%0.9%
More than one person per room 1.8%1.8%2.2%3.4%
People per household 2.432.482.492.53
Drive alone 77%78%82%69%
Carpool 10%10%9%9%
Public transit Unreliable estimate0%0%3%
Walk or bike 3%4%1%3%
Work from home 7%7%6%15%
Other means 1%1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Gulfport, the rental vacancy rate is 6.9%, about the same as in Harrison County.

In Gulfport, 1.8% of households live with more than one person per room, about the same as in Harrison County.

A household in Gulfport has 2.43 people on average, about the same as in Harrison County (2.48).

To get to work, 77% of workers in Gulfport drive alone; in Harrison County, 78%.

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 Gulfport?

A typical home is tight for the typical income

We start with a typical home in Gulfport, worth $174,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Gulfport, which is $49,919 a year. For that payment to be 28% of income, a household would need to earn about $60,691 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 Gulfport. 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 $6,111 (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

$1,416

at 7.18% · 30 years

Loan amount
$171,438
Total interest
$246,658
Paid off in
November 2056

Includes $2,949 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,165 a month

  • Tight

    $1,165 to $1,498 a month

    Your payment · 34%

  • Hard

    more than $1,498 a month

Compared with the typical household income in Gulfport ($49,919 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,416
Principal & interest$1,161
Property tax$105
Home insurance$73
FHA mortgage insurance (MIP)$77

You need at least $6,111 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

Gulfport and Harrison County

Gulfport 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).

Gulfport's own numbers

Typical home value
$174,600
Typical monthly rent
$1,086
Typical yearly household income
$49,919
Households that own their home
55%
Effective property tax rate
0.72%

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 Gulfport

A typical home in Gulfport is worth $174,600: 18% below the county and 3% above Mississippi. With the typical household income in Gulfport ($49,919 a year), a typical home costs 3.5 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.

  • Gulfport 3.5 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

Gulfport 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
  • Gulfport $174,600
  • Harrison $212,200
  • Mississippi $169,800
  • United States $332,700
Typical monthly rent
  • Gulfport $1,086
  • Harrison $1,115
  • Mississippi $954
  • United States $1,413
Typical yearly household income
  • Gulfport $49,919
  • Harrison $59,479
  • Mississippi $56,447
  • United States $80,734
See the full table
Gulfport next to Harrison County and Mississippi
Measure Gulfport Harrison County Mississippi U.S.
Typical home value $174,600 $212,200 $169,800 $332,700
Typical monthly rent $1,086 $1,115 $954 $1,413
Typical yearly household income $49,919 $59,479 $56,447 $80,734
Households that own their home 55% 62% 70% 65%
Typical yearly property tax $1,253 $1,370 $1,215 $3,119
Effective property tax rate 0.72% 0.65% 0.72% 0.94%
Renters with high rent for their income 55% 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 Gulfport

For a typical $174,600 home in Gulfport, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Gulfport's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,416a month

    Least cash to close
    Down payment
    $6,111
    Cash to close
    $11,349
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $77

  • Conventional, 5% down $1,384a month

    Down payment
    $8,730
    Cash to close
    $13,968
    Rate
    7.18%
    Mortgage insurance
    PMI · $83

  • Conventional, 20% down, no PMI $1,124a month

    Down payment
    $34,920
    Cash to close
    $40,158
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,285a month

    Down payment
    $26,190
    Cash to close
    $31,428
    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 Gulfport and for Harrison County.

Property tax

Effective rate in Gulfport

0.72%of the home’s value each year

$1,253 a year for the typical owner in Gulfport.

  • Gulfport 0.72%
  • 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 Gulfport

Typical rent in Gulfport is $1,086 a month: 3% below the county. In Gulfport, 55% 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 Gulfport

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Gulfport has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,060 in 39501 to $1,230 in 39507.

2 of the 3 are above the fair market rent for Harrison County ($1,185).

  • 39501 $1,060$1,360
  • 39503 $1,220$1,570
  • 39507 $1,230$1,580

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Gulfport 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 Gulfport

HUD lists 39 buildings with rents for lower incomes in Gulfport. These are the largest.

  • Riverchase Park Apts 11111 Highland Ave, Gulfport 39503 216 homes, 214 low-income · 1 bd: 36 · 2 bd: 108 · 3 bd: 72 · In service since 2009
  • Sawgrass Park Apts 4560 Engram Dr, Gulfport 39501 204 homes, 202 low-income · 1 bd: 24 · 2 bd: 84 · 3 bd: 96 · In service since 2008 · For families
  • Gulf Mist Apartments 26 Pass Rd, Gulfport 39507 188 low-income homes · For families (228) 863-4231
  • Three Rivers Landing 13120 Three Rivers Rd, Gulfport 39503 170 low-income homes · 1 bd: 30 · 2 bd: 82 · 3 bd: 58 · In service since 2009 · For people with disabilities, families
  • Ashton Park Apts 9245 Cuandet Rd, Gulfport 39503 152 homes, 150 low-income · 1 bd: 16 · 2 bd: 71 · 3 bd: 65 · In service since 2001 · For families

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

Free help

Help to buy or rent in Gulfport

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.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Gulfport

No down payment, repair or rent-help program on our list is for Gulfport or Harrison County. The ones below are statewide in Mississippi: they work in Gulfport 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 Gulfport

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

  • Renaissance Community Loan Fund

    8917 Lorraine Rd, Gulfport · 2 miles away

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

  • Mercy Housing and Human Development

    1135 Ford St, Gulfport · 4 miles away · Spanish

    Also serves in Vietnamese.

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

  • Hancock Housing Resource Center

    887 Washington St, Bay Saint Louis · 19 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 Gulfport

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 Gulfport

In HUD’s record, no housing authority with an office in Harrison County is named for Gulfport or Harrison County.

2 other authorities have 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 Gulfport, 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 Gulfport.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Gulfport

Short answers with the numbers for Gulfport 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 Gulfport?

The typical home value in Gulfport is $174,600, 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 Gulfport?

Typical rent in Gulfport is $1,086 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 Gulfport?

Gulfport 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 Gulfport?

The typical homeowner in Gulfport pays $1,253 a year, according to the U.S. Census Bureau. That is 0.72% of the home’s value; in Harrison County, the rate is 0.65%.

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

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).