HousingHandbookReference data

U.S. ZIP Code · MS39531

Harrison County · Gulfport-Biloxi, MS

Typical home value

$206,858[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+2.4%
5-year / yr
+5.0%
10-year / yr
+5.5%

Relative price

vs U.S.
-27.2%
vs metro
-5.3%
vs state
+36.2%
ZIP 39531 location in MS
Location of ZIP 39531 in MS

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 39531 is worth $206,858 — 5.3% below the Gulfport-Biloxi, MS median. Over the past year, values have risen 2.4%. Homes here rent for a typical $1,357 a month — a 7.9% gross rental yield. The effective property tax rate is 0.6%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
$1,357[2]
Gross yield
7.9%[2]
Cap rate
4.7%[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
0.6%[3]
Typical annual tax
$1,165[3]

#Climate risk

FEMA National Risk Index ratings for Harrison County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively High[4]
Riverine flood
Relatively Moderate
Coastal flood
Relatively High
Wildfire
Relatively Moderate
Drought
Relatively Low
Heat wave
Relatively Moderate
Hurricane
Very High
Tornado
Relatively High
Earthquake
Relatively Low
Winter weather
Relatively Moderate

#Who lives here

Population
18,918[3]
Median household income
$54,218[3]

#Migration

Household moves in and out of Harrison County over a year, from IRS tax-return data.

Net migration
+73[5]
Moved in
6,408
Moved out
6,335

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
3
Elementary
2
Middle
0
High
0
  • POPPS FERRY ELEMENTARY SCHOOL

    Elementary · Grades K–4 · BILOXI PUBLIC SCHOOL DIST

    610 students

  • BACK BAY ELEMENTARY SCHOOL

    Elementary · Grades K–4 · BILOXI PUBLIC SCHOOL DIST

    536 students

  • LOPEZ SCHOOL

    Other · Grades K–12 · BILOXI PUBLIC SCHOOL DIST

    0 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield7.9%
Net yield (after ~40% expenses)4.7%
Annual rent$16,280

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$1,046
Loan principal$165,486
Down payment$41,372
Total interest paid$211,069

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio0.97
Monthly cost to own$1,315
Monthly rent$1,357

Owning and renting are roughly even.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
75th percentile[1]
Rental yield
36th percentile[2]
Property tax
29th percentile[3]

Frequently asked

How much is a home worth in ZIP code 39531?
The typical home in 39531 is worth $206,858, based on the Zillow Home Value Index.
Are home values rising in 39531?
Home values in 39531 are up 2.4% over the past year, and up 5.0% a year over five years.
What is the typical rent in 39531?
A typical home in 39531 rents for about $1,357 a month, a gross rental yield of 7.9%.
What is the property tax rate in 39531?
The effective property tax rate in 39531 is 0.6% — roughly $1,165 a year on a typical home.
Who lives in 39531?
ZIP code 39531 has a population of 18,918 and a median household income of $54,218.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • Gulfport, MS

    Typical home
    $210,924
    Gross yield
    8.0%
  • Escatawpa CDP, MS

    Typical home
    $201,233
    Gross yield
  • Waveland, MS

    Typical home
    $214,275
    Gross yield
  • MS

    Typical home
    $218,422
    Gross yield
  • Gautier, MS

    Typical home
    $186,116
    Gross yield
    8.6%
  • MS

    Typical home
    $227,618
    Gross yield

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