ZIP Code 39532 — Biloxi, MS Home Prices (2026)
The typical home in ZIP 39532 (Biloxi, Mississippi) is worth about $274,000 at roughly $159 per square foot — 30% more expensive than the Biloxi median and 7% more affordable than the typical U.S. home.
How 39532 compares
ZIP 39532 is one of the pricier ZIP codes in Biloxi: its typical home value of $274,000 ranks #1 of the 3 Biloxi ZIP codes we track (the citywide range runs from $158,000 in 39530 to $274,000 in 39532). Per square foot it costs about $159, against $192 for Biloxi as a whole, $119 for Mississippi, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 39532 | $274,000 | $159 |
| Biloxi, MS | $210,000 | $192 |
| Mississippi | $156,000 | $119 |
| United States | $294,000 | $195 |
Home value by size in 39532
Using this ZIP’s rate of about $159 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $159,000 |
| 1,500 sq ft | $238,500 |
| 2,000 sq ft | $318,000 |
| 2,500 sq ft | $397,500 |
| 3,000 sq ft | $477,000 |
Salary needed to buy a home in ZIP 39532
To buy the typical $274,000 home in ZIP 39532 with 20% down, you need a household income of roughly $75,000 a year (about $1,740 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $89,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $13,700 | $2,160/mo | $93,000/yr |
| 10% (+PMI) | $27,400 | $2,070/mo | $89,000/yr |
| 20% | $54,800 | $1,740/mo | $75,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 39532
At about $159 per square foot, here is roughly how much home different budgets get you in ZIP 39532:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 940 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1260 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1570 sq ft | around the typical home here |
| $300k | 1890 sq ft | around the typical home here |
| $400k | 2520 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 39532 home.
Estimate a specific home in 39532
The estimator below is pre-set to ZIP 39532 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Biloxi ZIP codes by home value
Where 39532 sits among Biloxi’s 3 ZIP codes:
ZIP 39532 home prices: frequently asked
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See the full Biloxi home values page, all Mississippi cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.