ZIP Code · MS

ZIP 39531

Part of Biloxi, MS

Pop. 18,918·Harrison County·30th most expensive ZIP in Mississippi

Median rent (all units)

$1,287/mo

Year-over-Year

+5.1%

Month-over-Month

+0.2%

vs US Median

-$645

Reported rents

Stable (Monthly)

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Most AffordableMost Expensive

ZIP 39531 · $1,287

More affordable than 87% of US ZIP codes · National median $1,932/mo

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Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio

$790

1 BR

$920

2 BR

$1,140

3 BR

$1,470

4 BR+

$1,610

Research median

$1,140/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Past year vs. the rest of Mississippi

Rent in ZIP 39531 changed +5.1% over the year to September 2026. Across the 30 Mississippi ZIP codes Zillow tracks, the typical change was +4.6%.

Recent direction

Rent has risen 2 months in a row, and rose in 9 of the last 12 months.

What a typical income covers

30% of the median household income ($54,218) is $1,355 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,140); a 3-bedroom is $1,470.

Rank in Biloxi

2nd cheapest of 3 ZIP codes in Biloxi.

Cheaper nearby

ZIP 39501, 8 miles away, rents for 13% less ($1,125/mo), about $1,900 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 39531. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$15,444/yr

At $1,287/mo median

Location

CityBiloxi

StateMS

CountyHarrison County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (5.1% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+5.1% YoY, +0.2% MoM), not inventory.

Demographics

Who lives here

ZIP 39531 (Biloxi, MS) is majority renter-occupied, has a median income below the national average, 33% of residents hold a bachelor's degree or higher.

Population

18,918

Median income

$54,218

Median age

35.5

Renters

61.4%

Age distribution

24.6%

24.2%

22.9%

16.6%

Under 1824.6%

18–3424.2%

35–5422.9%

55–6411.6%

65+16.6%

Gender

48.4%

51.6%

Male48.4%

Female51.6%

Race & ethnicity

62.3%

17.2%

White62.3%

Black17.2%

Hispanic10.7%

Asian3%

Other6.8%

Education (25+)

24.4%

33.1%

33%

No HS diploma9.5%

HS diploma24.4%

Some college33.1%

Bachelor's+33%

Housing tenure

38.6%

61.4%

Owner38.6%

Renter61.4%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 39531 in Biloxi, MS has changed in 5 years

Income

$50,711 → $54,218

up 6.9%

Population

18,458 → 18,918

up 2.5%

Renter share

63.3% → 61.4%

-1.9 pts

Bachelor's+

32.9% → 33%

+0.1 pts

Household income in the area moved from $50,711 to $54,218 across the same window, up 6.9% versus 2021. Headcount in the area went from 18,458 to 18,918 between 2021 and 2024, a 2.5% change. About 61.4% of households rent today, against 63.3% in 2021.

Community

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Local insights

Tips for renters in ZIP 39531

About renting in ZIP 39531

Last updated: October 17, 2026

ZIP code 39531 covers Biloxi, MS. The median rent here is $1,287/mo as of October 2026. A 1-bedroom rents for a median of $920/mo. A 2-bedroom rents for a median of $1,140/mo.

At 28% of local median household income ($54,218/yr), ZIP 39531 ranks as affordable compared to the national benchmark of 30%. Rents have increased 5.1% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 39531?

To keep rent at or below 30% of gross income, you would need to earn at least $51,000/year (about $25/hour full-time) to afford the median rent of $1,287/mo in ZIP 39531. The local median household income is $54,218/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 39531?

Rent in ZIP 39531 has risen 5.1% over the past year.

How does ZIP 39531 compare to other ZIPs in Mississippi?

ZIP 39531 is one of the more affordable among Mississippi ZIP codes for rent, ranking #30 of 42 at $1,287/mo. Over the year to September 2026, rent in ZIP 39531 changed +5.1%, against a typical +4.6% across the 30 Mississippi ZIP codes Zillow tracks.