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City · 18,646 residents · Jackson County, Mississippi

Ocean Springs , Mississippi

In Ocean Springs, a typical home is worth $259,400 and typical rent is $1,358 a month. Compared with all of Jackson County, the typical home value is 34% higher and typical rent is 23% higher.

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  • Typical home value

    $259,400

    34% above the county

    53% above Mississippi

    • Ocean Springs
    • Jackson
    • Mississippi

  • Typical rent

    $1,358a month

    23% above the county

    42% above Mississippi

    • Ocean Springs
    • Jackson
    • Mississippi

  • Typical household income

    $79,712a year

    20% above the county

    41% above Mississippi

    • Ocean Springs
    • Jackson
    • Mississippi

  • Households that own their home

    69%

    4 points below the county

    1 points below Mississippi

    • Ocean Springs
    • Jackson
    • Mississippi

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

Market now, with Zillow data

Zillow data
Typical home value
$273,211
0.5% more than 12 months ago
Typical rent
$1,846 a month
3.4% more than 12 months ago

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

Ocean Springs is in Jackson 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 Jackson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Ocean Springs 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: 34% less than in Ocean Springs ($259,400).

  2. The typical home in Ocean Springs is worth $259,400, 34% more than in Jackson County as a whole ($193,100).

  3. The typical rent in Ocean Springs is $1,358 a month, 23% more than in Jackson County as a whole ($1,101).

  4. Nearby, in Latimer, the typical rent is $1,122: 17% less than in Ocean Springs ($1,358).

  5. The typical household income in Ocean Springs is $79,712, 20% more than in Jackson County as a whole ($66,201).

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

The homes here

Housing in Ocean Springs

What homes there are in Ocean Springs, 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 Ocean Springs, 8 in 10 homes are single-family detached houses; in Jackson County, 7.

Year built

Homes in Ocean Springs are older: the typical year built is 1979; in Jackson County, 1984.

By size, homes in Ocean Springs look like those in Jackson County: 75% have 3 bedrooms or more.

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
Monthly rent with utilities

With a mortgage

$1,810 a month

Jackson County: $1,550 a month

Without a mortgage

$601 a month

Jackson County: $470 a month

Owners with a mortgage

65%

Jackson County: 55%

The typical cost for an owner with a mortgage in Ocean Springs is $1,810 a month, more than in Jackson County ($1,550); without one, $601.

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 Ocean Springs rose 49% since 2015–2019, more than in Jackson County (42%).

Since 2015–2019, the typical rent in Ocean Springs rose 42%, more than in Jackson County (25%).

The typical household income in Ocean Springs rose 36%: less than home values (+49%) and rent (+42%).

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

MeasureOcean SpringsJackson CountyMississippiUnited States
Rental vacancy Unreliable estimate10.8%8.2%5.5%
Homeowner vacancy Unreliable estimate1.4%0.8%0.9%
More than one person per room Unreliable estimate3.0%2.2%3.4%
People per household 2.262.502.492.53
Drive alone 84%82%82%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%1%3%
Work from home 11%7%6%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.26 on average, against 2.50 in Jackson County.

Working from home is more common in Ocean Springs: 11%, against 7% in Jackson County.

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 Ocean Springs?

A typical home is tight for the typical income

We start with a typical home in Ocean Springs, worth $259,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Ocean Springs, which is $79,712 a year. For that payment to be 28% of income, a household would need to earn about $90,815 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Ocean Springs. 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 $9,079 (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

$2,119

at 7.18% · 30 years

Loan amount
$254,702
Total interest
$366,456
Paid off in
November 2056

Includes $4,381 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,860 a month

  • Tight

    $1,860 to $2,391 a month

    Your payment · 32%

  • Hard

    more than $2,391 a month

Compared with the typical household income in Ocean Springs ($79,712 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,119
Principal & interest$1,725
Property tax$171
Home insurance$108
FHA mortgage insurance (MIP)$115

You need at least $9,079 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

Ocean Springs and Jackson County

Ocean Springs is in Jackson 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).

Ocean Springs's own numbers

Typical home value
$259,400
Typical monthly rent
$1,358
Typical yearly household income
$79,712
Households that own their home
69%
Effective property tax rate
0.79%

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

Numbers for all of Jackson County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,099
Price change over 5 years (FHFA)
+45%
Homes in a high flood-risk zone
25%

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 Jackson County.

Everything about Jackson County

Buying

Buying a home in Ocean Springs

A typical home in Ocean Springs is worth $259,400: 34% above the county and 53% above Mississippi. With the typical household income in Ocean Springs ($79,712 a year), a typical home costs 3.3 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.

  • Ocean Springs 3.3 years
  • Jackson 2.9 years
  • Mississippi 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Jackson County

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

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

Period County Mississippi U.S.
Last year (2025) +3.9% +3.5% +2.9%
5 years (2020–2025) +45% +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

Ocean Springs next to Jackson 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
  • Ocean Springs $259,400
  • Jackson $193,100
  • Mississippi $169,800
  • United States $332,700
Typical monthly rent
  • Ocean Springs $1,358
  • Jackson $1,101
  • Mississippi $954
  • United States $1,413
Typical yearly household income
  • Ocean Springs $79,712
  • Jackson $66,201
  • Mississippi $56,447
  • United States $80,734
See the full table
Ocean Springs next to Jackson County and Mississippi
Measure Ocean Springs Jackson County Mississippi U.S.
Typical home value $259,400 $193,100 $169,800 $332,700
Typical monthly rent $1,358 $1,101 $954 $1,413
Typical yearly household income $79,712 $66,201 $56,447 $80,734
Households that own their home 69% 73% 70% 65%
Typical yearly property tax $2,046 $1,366 $1,215 $3,119
Effective property tax rate 0.79% 0.71% 0.72% 0.94%
Renters with high rent for their income 55% 51% 51% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Jackson 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 Ocean Springs

For a typical $259,400 home in Ocean Springs, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ocean Springs's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,119a month

    Least cash to close
    Down payment
    $9,079
    Cash to close
    $16,861
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $115

  • Conventional, 5% down $2,071a month

    Down payment
    $12,970
    Cash to close
    $20,752
    Rate
    7.18%
    Mortgage insurance
    PMI · $123

  • Conventional, 20% down, no PMI $1,685a month

    Down payment
    $51,880
    Cash to close
    $59,662
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,924a month

    Down payment
    $38,910
    Cash to close
    $46,692
    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 Ocean Springs and for Jackson County.

Property tax

Effective rate in Ocean Springs

0.79%of the home’s value each year

$2,046 a year for the typical owner in Ocean Springs.

  • Ocean Springs 0.79%
  • Jackson 0.71%
  • Mississippi 0.72%

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

Exemptions and deadlines in Mississippi

Flood risk in Jackson County

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

Homes in the high-risk zone
25%
13,969
Of those, with NFIP insurance
55%
County Mississippi U.S.
Homes in the high-risk zone 25% 7.6% 3.5%
Of those, with NFIP insurance 55% 33% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Ocean Springs

Typical rent in Ocean Springs is $1,358 a month: 23% above the county. In Ocean Springs, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Jackson County, by unit size. To pay the 2-bedroom one ($1,099 a month) without spending more than 30% of your income, you would need to earn $21.13 an hour working full time.

HUD fair market rent for all of Jackson 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 $960 $18.46 $38,400
1 bedroom $966 $18.58 $38,640
2 bedrooms $1,099 $21.13 $43,960
3 bedrooms $1,506 $28.96 $60,240
4 bedrooms $1,759 $33.83 $70,360

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 Ocean Springs

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ocean Springs is in ZIP code 39564.

For 2 bedrooms it is $1,330: $231 more than the fair market rent for Jackson County ($1,099).

  • 39564 $1,330$1,820

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ocean Springs 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 Ocean Springs

HUD lists 6 buildings with rents for lower incomes in Ocean Springs. These are the largest.

  • Villa Maria Apts 921 Porter Ave, Ocean Springs 39564 198 low-income homes · For older adults (601) 875-8811
  • Ocean Estates II 3319 Breakwater Dr, Ocean Springs 39564 120 low-income homes · 3 bd: 120 · In service since 2009 · For people with disabilities
  • Lexington Park Apts 7350 Tucker Rd, Ocean Springs 39564 120 homes, 119 low-income · 1 bd: 12 · 2 bd: 48 · 3 bd: 60 · In service since 2009 · For families
  • Highland Springs Apts 8100 Seaman Rd, Ocean Springs 39565 96 homes, 95 low-income · 1 bd: 12 · 2 bd: 48 · 3 bd: 36 · In service since 2009 · For people with disabilities
  • Colonnades 4901 Reilly Rd, Ocean Springs 39564 56 homes, 55 low-income · 2 bd: 56 · In service since 2009 · For older adults

See all 23 buildings in Jackson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Ocean Springs

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.

We found no HUD-approved agencies with an office in Jackson County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Ocean Springs

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

The HUD-approved agencies closest to the center of Ocean Springs, 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 · 13 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 · 14 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 · 34 miles away

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

All counseling agencies in Mississippi

Help in Spanish near Ocean Springs

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 Ocean Springs

HUD lists no housing authority with an office in Jackson County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Mississippi Source: HUD

Cities

Other cities in Jackson County

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

Everything about Jackson County Housing in Mississippi

Nearby cities

The cities closest to Ocean Springs, with the typical home value.

Neighboring counties

If Jackson 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 Ocean Springs.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Ocean Springs

Short answers with the numbers for Ocean Springs and all of Jackson 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 Ocean Springs?

The typical home value in Ocean Springs is $259,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jackson County it is $193,100.

How much does it cost to rent in Ocean Springs?

Typical rent in Ocean Springs is $1,358 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jackson County is $1,099.

What is the FHA loan limit in Ocean Springs?

Ocean Springs uses the FHA limit for all of Jackson 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 Ocean Springs?

The typical homeowner in Ocean Springs pays $2,046 a year, according to the U.S. Census Bureau. That is 0.79% of the home’s value; in Jackson County, the rate is 0.71%.

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

We found no HUD-approved counseling agencies with an office in Jackson County; the nearest ones are on this page. 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).