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City · 6,097 residents · Harrison County, Mississippi

Pass Christian , Mississippi

In Pass Christian, a typical home is worth $270,900 and typical rent is $1,198 a month. Compared with all of Harrison County, typical household income is 31% higher, the typical home value is 28% higher, and the share of households that own their home is 9 points higher.

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  • Typical home value

    $270,900

    28% above the county

    60% above Mississippi

    • Pass Christian
    • Harrison
    • Mississippi

  • Typical rent

    $1,198a month

    7% above the county

    26% above Mississippi

    • Pass Christian
    • Harrison
    • Mississippi

  • Typical household income

    $78,212a year

    31% above the county

    39% above Mississippi

    • Pass Christian
    • Harrison
    • Mississippi

  • Households that own their home

    71%

    9 points above the county

    1 points above Mississippi

    • Pass Christian
    • Harrison
    • Mississippi

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

Market now, with Zillow data

Zillow data
Typical home value
$303,761
2.4% more than 12 months ago

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

Pass Christian 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 Pass Christian apart

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

  1. Pass Christian has the 3rd smallest share of rent-burdened renters of the 63 cities in Mississippi with more than 5,000 people (35%).

  2. Nearby, in Gulfport, the typical home value is $174,600: 36% less than in Pass Christian ($270,900).

  3. The typical household income in Pass Christian is $78,212, 31% more than in Harrison County as a whole ($59,479).

  4. The typical home in Pass Christian is worth $270,900, 28% more than in Harrison County as a whole ($212,200).

  5. Nearby, in Waveland, the typical rent is $927: 23% less than in Pass Christian ($1,198).

  6. 71% of households in Pass Christian own their home, against 62% in Harrison County.

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

The homes here

Housing in Pass Christian

What homes there are in Pass Christian, 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

The detached house rules in Pass Christian: 84% of homes, more than in Harrison County (66%).

Year built

Homes in Pass Christian are newer: the typical year built is 2003; in Harrison County, 1994.

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

$1,656 a month

Harrison County: $1,495 a month

Without a mortgage

$565 a month

Harrison County: $477 a month

Owners with a mortgage

56%

Harrison County: 57%

Owning costs more in Pass Christian: with a mortgage, the typical cost is $1,656 a month; in Harrison County, $1,495. Without one, $565.

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, the typical home value in Pass Christian rose 48%; in Harrison County, it rose 41%.

Since 2015–2019, the typical rent in Pass Christian rose 36%, more than in Harrison County (25%).

Income in Pass Christian grew faster than housing: it rose 64%, while home values changed +48% and rent +36%.

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

MeasurePass ChristianHarrison CountyMississippiUnited States
Rental vacancy Unreliable estimate6.8%8.2%5.5%
Homeowner vacancy Unreliable estimate0.9%0.8%0.9%
More than one person per room Unreliable estimate1.8%2.2%3.4%
People per household 2.432.482.492.53
Drive alone 78%78%82%69%
Carpool 13%10%9%9%
Public transit Unreliable estimate0%0%3%
Walk or bike Unreliable estimate4%1%3%
Work from home Unreliable estimate7%6%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Pass Christian look like those in Harrison County: 2.43 people on average.

More people carpool to work in Pass Christian than in Harrison County: 13% against 10%.

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 Pass Christian?

A typical home is tight for the typical income

We start with a typical home in Pass Christian, worth $270,900, 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 Pass Christian, which is $78,212 a year. For that payment to be 28% of income, a household would need to earn about $94,164 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 Pass Christian. 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 $9,482 (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

$2,197

at 7.18% · 30 years

Loan amount
$265,993
Total interest
$382,701
Paid off in
November 2056

Includes $4,575 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,825 a month

  • Tight

    $1,825 to $2,346 a month

    Your payment · 34%

  • Hard

    more than $2,346 a month

Compared with the typical household income in Pass Christian ($78,212 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,197
Principal & interest$1,802
Property tax$163
Home insurance$113
FHA mortgage insurance (MIP)$120

You need at least $9,482 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

Pass Christian and Harrison County

Pass Christian 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).

Pass Christian's own numbers

Typical home value
$270,900
Typical monthly rent
$1,198
Typical yearly household income
$78,212
Households that own their home
71%
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 Pass Christian

A typical home in Pass Christian is worth $270,900: 28% above the county and 60% above Mississippi. With the typical household income in Pass Christian ($78,212 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.

  • Pass Christian 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

Pass Christian 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
  • Pass Christian $270,900
  • Harrison $212,200
  • Mississippi $169,800
  • United States $332,700
Typical monthly rent
  • Pass Christian $1,198
  • Harrison $1,115
  • Mississippi $954
  • United States $1,413
Typical yearly household income
  • Pass Christian $78,212
  • Harrison $59,479
  • Mississippi $56,447
  • United States $80,734
See the full table
Pass Christian next to Harrison County and Mississippi
Measure Pass Christian Harrison County Mississippi U.S.
Typical home value $270,900 $212,200 $169,800 $332,700
Typical monthly rent $1,198 $1,115 $954 $1,413
Typical yearly household income $78,212 $59,479 $56,447 $80,734
Households that own their home 71% 62% 70% 65%
Typical yearly property tax $1,953 $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 35% 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 Pass Christian

For a typical $270,900 home in Pass Christian, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pass Christian's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,197a month

    Least cash to close
    Down payment
    $9,482
    Cash to close
    $17,609
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $120

  • Conventional, 5% down $2,148a month

    Down payment
    $13,545
    Cash to close
    $21,672
    Rate
    7.18%
    Mortgage insurance
    PMI · $129

  • Conventional, 20% down, no PMI $1,744a month

    Down payment
    $54,180
    Cash to close
    $62,307
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,994a month

    Down payment
    $40,635
    Cash to close
    $48,762
    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 Pass Christian and for Harrison County.

Property tax

Effective rate in Pass Christian

0.72%of the home’s value each year

$1,953 a year for the typical owner in Pass Christian.

  • Pass Christian 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 Pass Christian

Typical rent in Pass Christian is $1,198 a month: 7% above the county. In Pass Christian, 35% 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 Pass Christian

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pass Christian is in ZIP code 39571.

For 2 bedrooms it is $1,130: $55 less than the fair market rent for Harrison County ($1,185).

  • 39571 $1,130$1,450

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

HUD lists 2 buildings with rents for lower incomes in Pass Christian. These are the largest.

  • Pass Estates 774 Brill St, Pass Christian 39571 130 homes, 127 low-income · 3 bd: 63 · 4 bd: 64 · In service since 2011 · For people with disabilities
  • Camille Village Apts 642 E North St, Pass Christian 39571 86 homes, 85 low-income · 1 bd: 27 · 2 bd: 24 · 3 bd: 24 · 4 bd: 11 · In service since 2008 · For families

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

Free help

Help to buy or rent in Pass Christian

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 grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Pass Christian

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

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

  • Hancock Housing Resource Center

    887 Washington St, Bay Saint Louis · 7 miles away

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

  • Renaissance Community Loan Fund

    8917 Lorraine Rd, Gulfport · 14 miles away

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

  • Mercy Housing and Human Development

    1135 Ford St, Gulfport · 15 miles away · Spanish

    Also serves in Vietnamese.

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

Every agency in Harrison County All counseling agencies in Mississippi

Help in Spanish near Pass Christian

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 Pass Christian

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

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

Questions

Housing questions about Pass Christian

Short answers with the numbers for Pass Christian 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 Pass Christian?

The typical home value in Pass Christian is $270,900, 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 Pass Christian?

Typical rent in Pass Christian is $1,198 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 Pass Christian?

Pass Christian 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 Pass Christian?

The typical homeowner in Pass Christian pays $1,953 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 Pass Christian?

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).