By Randy Richardson, Broker Associate, The 4th Right Team

Quick Answer: Woolmarket is a community in north Biloxi, in ZIP code 39532, that officially became part of the City of Biloxi in 1999. It sits along the Biloxi River, with Highway 67 and Interstate 10 running through it. Before you shop, know three things. Much of Woolmarket is served by the Harrison County School District, not the Biloxi Public School District. City water and sewer lines were extended in phases, so some properties may still use a private well or septic system. And because it's inside city limits, Biloxi property taxes and zoning rules apply.

Buyers find Woolmarket because they want more room than they'll get closer to the beach. That part's true. But Woolmarket has a few quirks that catch people off guard, and it's better to know them before you fall for a house.

Where is Woolmarket, and is it part of Biloxi?

Yes, Woolmarket is part of Biloxi. The city annexed it in 1999, and the area uses a Biloxi mailing address with ZIP code 39532. You'll hear locals call it north Biloxi or just "out in Woolmarket."

The name goes back to the 1800s. According to the Biloxi Historical Society, the community on the Biloxi River became a hub for buying and shipping raw wool from sheep ranchers to the north. Today it's a mix of older homesteads, newer subdivisions, and land along the river.

Being in the city has a cost side, too. Woolmarket homeowners pay Biloxi city property taxes on top of county taxes, so run the tax numbers on any home you're serious about. Once you close, don't forget to file your homestead exemption with the county.

If you're comparing Woolmarket to the rest of the city, my Biloxi area page is a good starting point.

Which schools serve Woolmarket?

This is the question that surprises people most. Even though Woolmarket is inside Biloxi city limits, much of it is zoned for the Harrison County School District, not Biloxi Public Schools.

Schools in the area include Woolmarket Elementary, which serves kindergarten through sixth grade, and North Woolmarket Elementary and Middle, which serves kindergarten through eighth grade. North Woolmarket feeds into D'Iberville High School, which is also part of the Harrison County School District.

School zones follow addresses, not ZIP codes or neighborhood names. Before you write an offer, confirm the zoned schools for that exact address with the district. For current letter grades, check the Mississippi Department of Education's report card site, since grades are updated every year.

Do Woolmarket homes have city water and sewer?

Many do, but don't assume every property does. When Biloxi annexed Woolmarket, the city started running water and sewer lines south of Interstate 10, where most residents lived, and then worked north along Highway 67.

That means a home on a few acres farther out may still use a private well, a septic system, or both. Neither one is a deal-breaker. You just want to know before you're under contract.

Ask the listing agent how the home gets its water and where its wastewater goes. If it's septic, plan on a septic inspection during your inspection period. If it's a well, get the water tested. Both are cheap compared to finding a problem after closing.

What should buyers know about flood zones and insurance in Woolmarket?

Being north of the beach doesn't mean a home is out of a flood zone. Woolmarket sits along the Biloxi River, and properties near the river or low-lying creeks can land in a higher-risk zone. Two homes a mile apart can have very different flood maps.

Look up the FEMA flood zone for the exact address, and ask the seller for an elevation certificate if one exists. If a listing is marketed as river front, read up on the different kinds of waterfront first. They don't insure the same way.

Being inside Biloxi city limits means city fire protection, and a home's fire protection class is one of the things that can change how much insurance costs. That's why I tell every buyer out here to get an insurance quote before you write an offer.

What kinds of homes and lots will you find in Woolmarket?

You'll find a wide spread. There are established neighborhoods from the 1970s through the 1990s, newer construction in subdivisions, and homes on larger lots with room for a shop or a garden. You can browse what's available now on my Woolmarket listings page.

If you want land, check the rules before you buy. City limits bring city zoning, so things like livestock, a second structure, or running a business from home depend on the parcel's zoning. Some subdivisions also have their own covenants. Ask for both before you plan around them.

Prices swing a lot out here because lot size varies so much. A house on half an acre and a similar house on five acres aren't really comparable. When you're judging value, compare homes with similar land and square footage, and check the latest Biloxi market data for the bigger picture.

If Woolmarket is close but not quite right, some buyers also look farther up Highway 67 at The Village at Tradition.

How far is Woolmarket from Keesler, shopping, and the beach?

Woolmarket's location is a big part of the appeal. Interstate 10 and Highway 67 put you on the main east-west and north-south routes without driving through downtown traffic.

Most Woolmarket addresses are roughly a 15- to 25-minute drive to Keesler Air Force Base, depending on where you start and the time of day. Shopping and restaurants in D'Iberville are close by, and the beach in Biloxi is a short drive south. If you're moving here on military orders, my Keesler PCS guide covers the rest of the process.

The Woolmarket City Center, which opened in 2021, includes a community center and a branch of the Harrison County Library System. It's a handy local stop you won't get in every part of north Harrison County.

By the Numbers

ZIP code: 39532
Became part of the City of Biloxi: 1999
School district serving much of the area: Harrison County School District
Woolmarket Elementary grades: K through 6
North Woolmarket Elementary and Middle grades: K through 8
Woolmarket City Center opened: 2021

The Bottom Line

Woolmarket gives you more room while keeping you close to Keesler, I-10, and the rest of Biloxi. The buyers who do best out here check four things early: the school zone, water and sewer, the flood zone, and the zoning on the land. Get those answers before you fall in love with a porch. When you're ready, my buyer's guide walks you through the next steps.

Frequently Asked Questions

Is Woolmarket part of Biloxi?
Yes. Woolmarket officially became part of the City of Biloxi in 1999. It uses a Biloxi mailing address with ZIP code 39532.

What school district serves Woolmarket, MS?
Much of Woolmarket is served by the Harrison County School District, including Woolmarket Elementary, North Woolmarket Elementary and Middle, and D'Iberville High School. School zones follow addresses, so confirm the zoned schools for the exact home with the district.

Do homes in Woolmarket have city sewer?
Many do, but not every property. Biloxi extended water and sewer lines in phases, so some homes may still use a private well or septic system. Ask the listing agent and plan inspections to match.

Is Woolmarket in a flood zone?
Some parts are. Woolmarket sits along the Biloxi River, and flood zones vary from property to property. Check the FEMA flood map for the exact address before you make an offer.

Sources

City of Biloxi, Status of Providing Municipal Services in the Woolmarket Community. 1999 annexation and phased water and sewer expansion: https://biloxi.ms.us/pdf/woolmarketpp.pdf

Biloxi Historical Society, Woolmarket. Name origin and Biloxi River history: https://biloxihistoricalsociety.org/woolmarket

Historical Marker Database, Woolmarket marker. ZIP code 39532: https://www.hmdb.org/m.asp?m=20010

City of Biloxi, Woolmarket City Center. 2021 opening and library branch: https://biloxi.ms.us/residents/parks-recreation/facilities/woolmarket-city-center/

Woolmarket Elementary School. Grades served: https://wme.harrison.k12.ms.us/

North Woolmarket Elementary and Middle School. Grades served: https://nwem.harrison.k12.ms.us/

Harrison County School District, District Information. District map and school report cards: https://harrison.k12.ms.us/districtinformation

D'Iberville High School. Feeder schools: https://en.wikipedia.org/wiki/D%27Iberville_High_School

Mississippi Department of Education, Mississippi Succeeds Report Card. Current school letter grades: https://msrc.mdek12.org/

FEMA Flood Map Service Center. Flood zone lookup by address: https://msc.fema.gov/portal/home

 

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About the Author
I'm Randy Richardson, Broker Associate and Team Leader of The 4th Right Team at CENTURY 21 J. Carter & Company. I help buyers and sellers across the Mississippi Gulf Coast make smart moves, from the first showing to the closing table.

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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