| ZIP Code | 39520 |
|---|---|
| City | Bay Saint Louis |
| State | Mississippi (MS) |
| County | Hancock County |
| Area Code | 228 |
| Elevation | 4 ft |
| Latitude | 30.268896 |
|---|---|
| Longitude | -89.480787 |
| Timezone | Chicago (DST) |
| FIPS | 28045 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 48.8 yrs ↑ 9% since 2019 |
|---|---|
| Avg Household Size | 2.18 |
| Below Poverty | 14.6% ▲ 46% above avg |
| College Grads | 40.7% ≈ Avg |
| Unemployment | 7.2% ▲ 46% above avg |
| No HS Diploma | 144 (1.3%) |
| HS Graduate | 2,744 (25.1%) |
| Some College | 1,894 (17.3%) |
| Associates | 1,698 (15.5%) |
| Bachelors | 1,302 (11.9%) |
| Graduate Degree | 3,150 (28.8%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $65,139 ▼ 15% below avg ↑ 65% since 2019 |
|---|---|
| Median Home Value | $202,600 ▼ 27% below avg ↑ 36% since 2019 |
| Home/Income Ratio | 3.1x (nat avg ~3.5x) |
| Median Rent | $1,067/mo ↑ 22% since 2019 |
| Total Units | 8,593 |
| Vacant Units | 1,591 |
| Avg HH Size | 2.18 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 8,593 |
|---|---|
| Vacant | 1,591 |
| Owner Occupied | 73.5% |
| Renter Occupied | 26.5% |
| Avg HH Size | 2.18 |
ZIP code 39520 is located in Bay Saint Louis, Mississippi, within Hancock County. With a population of 15,471, this is a moderately populated ZIP code with a mature community — the median age is 48.8 years. Economically, 39520 is a solidly middle-class ZIP code: the median household income of $65,139 is near the national average.
Real estate in ZIP code 39520 represents an affordable housing market. The median home value of $202,600 is below the national average. Renters can expect to pay around $1,067 per month in median rent. Homeownership is strong here — 73.5% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 36% since 2019.
The population of 39520 is primarily White (79.65%). Residents are well-educated — 40.7% hold a bachelor's degree or higher, which is near the national average. Poverty affects some residents at 14.6%. Household income has grown by 65% since 2019.
The unemployment rate in 39520 stands at 7.2%, which is above the national average. About 13% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 71%.
Overall, ZIP code 39520 in Bay Saint Louis, MS is characterized as solidly middle-class, well-educated, a mature community, and predominantly owner-occupied. With 15,471 residents, a median household income of $65,139, and a median home value of $202,600, it offers a clear picture of life in this part of Mississippi.