Is Biloxi, MS a Good Place to Buy a Home in 2026?

By Randy Richardson, Broker Associate, The 4th Right Team at Century 21 J. Carter & Company. 

Quick Answer: Biloxi is Mississippi's fourth-most populous city and the best-known destination on the Gulf Coast, with about eight casino resorts and Keesler Air Force Base inside the city. Redfin reported a median sale price of $279,748 for the three months ending June 2026, up 6.9% from a year earlier, with homes selling in about 51 days. The city counted 49,449 residents in the 2020 Census. For home buying, 39530, 39531, and 39532 are the zips that matter, and two school districts serve different parts of the city.

What's Biloxi actually like?

Bigger and busier than anywhere else on the Coast. East Biloxi sits on a peninsula between the Gulf and the Back Bay, with the historic downtown, Point Cadet, and the casino corridor along Beach Boulevard. Beau Rivage, Hard Rock, Harrah's Gulf Coast, IP, Golden Nugget, Palace, Boomtown, and Treasure Bay are all here. North of the bay, the city stretches inland into newer neighborhoods and subdivisions.

There's more to it than casinos. The Ohr-O'Keefe Museum of Art, designed by Frank Gehry, opened in 2010. The Maritime and Seafood Industry Museum tells the story of the shrimp and oyster trade that built the town. Deer Island sits just offshore, and you can paddle out from Point Cadet Marina. The beach along Highway 90 is part of the long man-made sand beach that runs through Harrison County.

Biloxi is also growing. It went from 44,054 residents in 2010 to 49,449 in 2020, one of the bigger gains on the Coast.

Which Biloxi zip codes matter for buying a home?

Biloxi's postal footprint covers 39530 through 39535, plus 39540. But 39533, 39534, and 39535 are PO Box zips, not residential delivery areas. And 39540 is mainly D'Iberville, a separate city across the bay.

For home buying, focus on 39530, which covers the historic downtown and Point Cadet area, 39531, and 39532, which covers the newer inland and northern parts of the city. A zip code doesn't tell you city limits or school zoning, so confirm both for the exact address.

How much does a home in Biloxi cost in 2026?

Redfin reported a median sale price of $279,748 for the three months ending June 2026, up 6.9% from a year earlier. Price per square foot rose about 12% to $157.

The market has slowed some, though. Homes averaged 51 days on market, 18 days longer than a year earlier, and sold for about 97.3% of list price. Redfin rates Biloxi as somewhat competitive. Biloxi also has real volume, with 155 sales in June 2026 alone, so the comps here are more reliable than in smaller towns.

The range is wide. You'll find historic homes near downtown and Point Cadet, newer subdivisions in 39532, and condos and high-rises along the beachfront. If you're a first-time buyer, look at down payment help on the Coast too.

Is Biloxi a good place to buy near Keesler?

For a lot of military families, yes. Keesler Air Force Base sits inside Biloxi and is home to the 81st Training Wing and the 403rd Wing. Living in Biloxi can put you minutes from the gate. If you're using a VA loan, here's how that works near Keesler. And if you might PCS again in a few years, it's worth knowing when an assumable VA loan can help you sell.

Gulfport-Biloxi International Airport is a short drive west. D'Iberville's shopping is ten minutes north across the bay, and Ocean Springs is about ten minutes east over the Biloxi Bay Bridge. These are rough off-peak estimates.

What schools serve Biloxi, MS?

Most of Biloxi is served by the Biloxi Public School District. Part of the city, including some addresses in 39532, falls under the Harrison County School District instead. Those areas feed schools like D'Iberville High.

Which district and which school a home is zoned for depends on the exact address, not the zip code. Confirm the assignment directly with the district before you buy, and check the current Mississippi Succeeds Report Card for the latest grades.

What about flood risk and insurance in Biloxi?

Take it seriously. Katrina brought a storm surge of about 30 feet into Biloxi in 2005 and caused massive damage, especially on the peninsula. First Street modeling shown on Redfin puts about 61% of Biloxi properties at severe flood risk over the next 30 years.

Because East Biloxi sits between the Gulf and the Back Bay, flood zone and elevation vary a lot block by block. Homes on the peninsula and near the beachfront generally carry more exposure than homes on higher ground north of the bay. When a home was built matters, too. Here's how pre-Katrina homes compare to post-2005 rebuilds.

Harrison County is in Mississippi's coastal Wind Pool area, so plan for wind coverage. Pull the FEMA flood zone, get the elevation certificate, and get a real insurance quote on the specific address before you're under contract.

By the Numbers

Median sale price: $279,748, three months ending June 2026, up 6.9% (Redfin)

Median price per square foot: $157, up about 12% (Redfin)

Average days on market: 51, up 18 days (Redfin)

Sale-to-list ratio: about 97.3% (Redfin)

Homes sold, June 2026: 155 (Redfin)

Properties facing severe flood risk over 30 years: about 61% (First Street, via Redfin)

City population: 44,054 in 2010, 49,449 in 2020

Land area: about 42.9 square miles

Katrina storm surge: about 30 feet

The Bottom Line

Biloxi gives you the most going on of any city on the Mississippi Gulf Coast: a historic downtown, a big casino and hospitality economy, Keesler inside the city limits, and housing from historic homes to beachfront condos. It's also growing. The trade-offs are flood exposure that changes block by block, a market that's slowed a bit, and two school districts covering different parts of town. Check the flood zone, insurance, and school zoning for the specific address before you commit. When you're ready to look, start with homes for sale in Biloxi.

Keep reading: Keesler AFB PCS Guide: Buying a Home Near Biloxi in 2026 and Gulfport vs. Biloxi: Which Mississippi Gulf Coast City Is Right for You?

Frequently Asked Questions

Is Biloxi, MS a buyer's market or a seller's market right now?
It's fairly balanced. Prices have been rising, but homes are taking longer to sell than a year ago and typically close a few percent below asking.

What's the median home price in Biloxi?
Biloxi has been selling in the high $200,000s. Prices range from historic homes and newer subdivisions to beachfront condos, so recent comparable sales in the same part of town are the best guide.

Does Biloxi flood?
Parts of it can. Katrina brought a storm surge of about 30 feet in 2005, and East Biloxi sits between the Gulf and the Back Bay, so flood risk varies block by block. Always pull a flood zone determination for any specific address.

What school district is my house in if I buy in Biloxi?
Most of the city is in the Biloxi Public School District, but part of the city falls under the Harrison County School District. Confirm the exact assignment with the district for your address.

Are all of Biloxi's zip codes residential?
No. 39533, 39534, and 39535 are PO Box zips, and 39540 is mainly D'Iberville. For home buying in Biloxi, focus on 39530, 39531, and 39532.

Is Biloxi close to Keesler Air Force Base?
Keesler is inside Biloxi, so many neighborhoods are just minutes from the base.

Sources

Redfin, Biloxi MS Housing Market: Median sale price, price per square foot, days on market, homes sold, sale-to-list ratio, competitiveness, and First Street flood risk, three months ending June 2026 (checked September 2026)

Wikipedia, Biloxi, Mississippi: Population, state rank, land area, zip codes, Katrina surge, Keesler, casinos, Ohr-O'Keefe Museum, school districts

Mississippi Code Section 83-34-1: Coast area counties for the Windstorm Underwriting Association

Randy Richardson | Broker Associate
The 4th Right Team | Century 21 J. Carter & Company
📞 Office: (228) 731-3881 | Cell: (228) 547-9999
📧 realtorrandyrichardson@gmail.com
🌐 www.The4thRightTeam.com

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