ZIP Code 39520
standardSource:
Bay Saint Louis · Hancock County · Mississippi
- Population
- 14,681
- Median income
- $62,176
- Median home value
- $225,600
- Bachelor's or higher
- 30.8%
- Land area
- 240.3 sq mi
61/sq mi
▼ 18% vs US
higher than 33% of US ZIPs
▼ 19% vs US
higher than 51% of US ZIPs
Median age 50.2
Chicago
ZIP code 39520 in Bay Saint Louis, Mississippi has a population of 14,681. The median household income is $62,176, which is 18% below the national average. Median home value is $225,600, 19% below the US average. 30.8% of residents hold a bachelor's degree or higher.
ZIP code 39520 is classified by USPS as a standard delivery area and covers roughly 240.3 square miles in Bay Saint Louis, Hancock County, Mississippi. The area is home to 14,681 residents, producing a population density of 61 people per square mile, and falls within the Chicago time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 39520 against Mississippi and the nation.
On the economic side, the median household income for ZIP 39520 sits at $62,176 (18% above the Mississippi average), while per-capita income is $45,585. The poverty rate stands at 16.5% and the unemployment rate at 7.7%. On housing, the median home value is $225,600 (68% above the state average) with median rent at $1,127 per month, and 75.0% of occupied units are owner-occupied, a direct signal of whether 39520 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 30.8% of adults hold a bachelor's degree or higher, the median age is 50.2, and the average commute is 28 minutes. We also surface 3 nearby ZIP codes within roughly 10 miles and 4 additional ZIPs sharing Hancock County, so you can benchmark 39520 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 39520
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 39520.
- Accommodation and food services
Accommodation and food services
65 establishments
- Retail trade
Retail trade
48 establishments
- Health care and social assistance
Health care and social assistance
39 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
36 establishments
- Other services (except public administration)
Other services (except public administration)
30 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 39520, Bay Saint Louis, MS · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.
Quick Facts
14,681
Population
240.3
Area (sq mi)
61
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 39520?
50.2
Median Age
47.0%
Male
53.0%
Female
2.8%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$62,176
Median Household Income
+18% vs state
$45,585
Per Capita Income
16.5%
Poverty Rate
7.7%
Unemployment Rate
27.6 min
Mean Commute Time
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
8,994
Total Housing Units
7,213
Occupied Units
1,781
Vacant Units
2.13
Avg Household Size
Occupancy Type
$225,600
Median Home Value
+68% vs state
$1,127
Median Rent
1998
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+1.2%
YoY Change (2024)
304
HPI Index (2000 = 100)
+204%
Total Change Since 2000
Home values in ZIP 39520 have increased 1.2% over the past year (2024). Since 2000, this ZIP has seen +204% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +0.5% | 206 |
| 2021 | +13.1% | 233 |
| 2022 | +10.2% | 256 |
| 2023 | +17.1% | 300 |
| 2024 | +1.2% | 304 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 346 business establishments in ZIP 39520, employing approximately 3,909 people with a combined annual payroll of $178,622,000.
346
Businesses
3,909
Employees
$178.6M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Accommodation and food services | 65 | 18.8% |
| Retail trade | 48 | 13.9% |
| Health care and social assistance | 39 | 11.3% |
| Professional, scientific, and technical services | 36 | 10.4% |
| Other services (except public administration) | 30 | 8.7% |
| Finance and insurance | 26 | 7.5% |
| Construction | 23 | 6.7% |
| Real estate and rental and leasing | 18 | 5.2% |
| Administrative and support and waste management and remediation services | 14 | 4.0% |
| Manufacturing | 13 | 3.8% |
| Information | 8 | 2.3% |
| Wholesale trade | 7 | 2.0% |
| Arts, entertainment, and recreation | 7 | 2.0% |
| Transportation and warehousing | 6 | 1.7% |
| Educational services | 5 | 1.4% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 39520 vs 39576 →
More ZIP Codes in Hancock County
Related Areas
Frequently Asked Questions
What county is ZIP code 39520 in? ▼
What is the population of ZIP code 39520? ▼
What is the median household income in ZIP 39520? ▼
What is the average home value in ZIP 39520? ▼
What is the demographic makeup of ZIP 39520? ▼
How many businesses are in ZIP code 39520? ▼
What are the main industries in ZIP code 39520? ▼
How have home values changed in ZIP code 39520? ▼
What is the education level in ZIP code 39520? ▼
What is the average commute time in ZIP 39520? ▼
What percentage of residents own vs. rent in ZIP 39520? ▼
What is the poverty rate in ZIP code 39520? ▼
ZIP Code Research Guides
Official Data Resources for Bay Saint Louis, MS
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.