Residential delivery area · Mississippi
ZIP Code 39520: Bay Saint Louis, MS
ZIP code 39520 uses the postal name Bay Saint Louis, Mississippi and lies entirely in Hancock County (Census 2020 ZIP-county file). About 16,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $62,176 (Census Bureau, ACS 2020-2024). By Census place, 15% of its land lies in Bay St. Louis, and 2% in smaller places; 83% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Bay Saint Louis · its only residential ZIP
- County
- Hancock County
- Census places
- Bay St. Louis
- Metro area
- Gulfport-Biloxi, MS
- House district
- MS-4 119th Congress
- State
- Mississippi
- Time zone
- Central
- Land area
- 96.9 sq mi · 161 people per sq mi
- PO Box ZIPs
- 39521 also use the name Bay Saint Louis
Where is ZIP code 39520?
39520 centers on 30.269°, -89.481° and covers 96.9 square miles of land plus 5.3 of water. It borders 4 ZIP codes: 39576, 39572, 39525, 39556.
The map draws ZIP code areas only. For the streets inside 39520, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 39520 compare with the rest of Hancock County?
| Measure | 39520 | In Hancock County | In MS |
|---|---|---|---|
| People (ACS 2020-2024) | 15,561 | 3rd of 11 | 62nd of 427 |
| Median household income | $62k | 6th of 8 | 70th of 205 |
| Median home value | $226k | 4th of 9 | 26th of 203 |
Its median household income is higher than in 33% of U.S. residential ZIP codes, and it is denser than 60% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 39520?
The 2020 Census counted 14,963 people in 39520; the ACS, which samples households over 2020-2024, estimates 15,561. Between the 2010 and 2020 censuses its population grew 1.9% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 15,561
- 2020 Census count
- 14,963+1.9% since 2010 (14,681)
- Households
- 7,213
- Median age
- 50.2
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 39520?
Of the 15,561 people the ACS estimates in 39520, 18.7% are under 18 and 24.3% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (79.3%), then Black (not Hispanic) (10.8%).
- Under 1818.7%
- 18 to 6457.0%
- 65 and older24.3%
- White, not Hispanic79.3%
- Black, not Hispanic10.8%
- Other or two or more5.2%
- Hispanic or Latino3.7%
- Asian, not Hispanic1.0%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 39520 earn?
Median household income is $62,176 (ACS 2020-2024), the 6th highest of the 8 ranked ZIP codes in Hancock County. It rose from $48,386 in 2015-2019 (in 2024 dollars), a change larger than the surveys' margins of error.
- Median household income
- $62,176±$10,111
- Income per person
- $45,585
- Below the poverty line
- 16.5%
- Unemployed (of the labor force)
- 7.8%
- Adults 25+ with a bachelor's degree
- 30.8%
- Adjusted gross income per tax return, 2022
- $65,4525,570 returns; wages 62% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 39520?
FHFA's house price index for 39520, built from repeat sales and appraisals of the same homes, rose 112% from 2015 to 2025 and rose 60% from 2020 to 2025, and moved +8.1% in 2025.
- Median home value (owners' estimate)
- $225,600
- Median gross rent
- $1,127
- Homes owned by their occupants
- 75.0%
- Housing units
- 8,994
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 39520?
346 business establishments had a location in this ZIP code in 2023, 68 more than in 2018; the most are in accommodation and food services (ZIP Code Business Patterns).
- Accommodation and food services65
- Retail trade48
- Health care and social assistance39
- Professional, scientific, and technical services36
- Other services (except public administration)30
- Finance and insurance26
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 39520?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 39576 | Waveland | 6,387 | $70k | 6.0 mi |
| 39572 | Pearlington | 1,321 | $45k | 7.5 mi |
| 39525 | Diamondhead | 9,338 | $87k | 10.2 mi |
| 39556 | Kiln | 6,041 | $61k | 12.3 mi |
| 39529 | Stennis Space Center | 0 | – | 10.4 mi (near) |
| 70461 | Slidell, LA | 34,808 | $89k | 13.9 mi (near) |
| 39571 | Pass Christian | 14,739 | $70k | 16.1 mi (near) |
| 70458 | Slidell, LA | 39,034 | $73k | 18.7 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.
Which other ZIP codes use the name Bay Saint Louis?
1 more ZIP code carries the postal name Bay Saint Louis, MS without a residential delivery area: PO boxes at the post office, or a single organization with its own ZIP code. The Census Bureau publishes no figures for it.
| ZIP | County |
|---|---|
| 39521 | Hancock County |
Source: GeoNames postal codes (CC BY 4.0), downloaded 2026-10-09; a ZIP code with no Census ZCTA has no residential delivery area.