Biloxi, MS · standard
ZIP Code 39531
Harrison County, Mississippi - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 17,736
- 1,012/sq mi High-density area
- $54,218
- Median income Below-median income area
- $211,500
- Median home value Near-median home value
- 33.0%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Biloxi pairs one of the lowest household incomes in the country with below-median home values, in a low-density, renter-heavy area.
- 20th pct
- household income, US ZIPs
- 47th pct
- home value, US ZIPs
- 1,012
- people per sq mi
- 39%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 39531 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 39531 (Biloxi, MS) rose +5.7% from 2023 to 2024. The all-transactions index moved from 175.0 in 2023 to 185.0 in 2024 (2000 = 100).
ZIP code 39531 is a mid-sized community (a standard USPS delivery area) in Biloxi, Harrison County, Mississippi, home to 17,736 residents across 17.5 square miles, a density of 1,012 people per square mile, in the Chicago time zone.
ZIP 39531 reports a modest median household income of $54,218 (3% above the average Mississippi ZIP), while per-capita income is $32,358. The poverty rate is 16.2%, with unemployment at 8.0%; those measures add context to the income figure. Housing costs run above the statewide ZIP benchmark while renting is common: median home value is $211,500 (57% above the average Mississippi ZIP), with only 38.6% owner-occupied homes and median rent of $1,097.
A solid share of residents have a four-year degree: 33.0% of adults hold a bachelor's degree or higher, the median age is 35.5, and the average commute is 24 minutes. The page also surfaces 6 ZIP codes within roughly 10 miles and 6 more in Harrison County, so 39531 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 39531
Top 5 sectors by establishment count in Biloxi, MS
Which industries have the most business establishments in ZIP 39531.
- Retail trade
Retail trade
110 establishments
- Accommodation and food services
Accommodation and food services
92 establishments
- Health care and social assistance
Health care and social assistance
65 establishments
- Finance and insurance 36
Finance and insurance
36 establishments
- Professional, scientific, and technical services 36
Professional, scientific, and technical services
36 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 + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 39531, Biloxi, MS · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
17,736
Population
17.5
Area (sq mi)
1,012
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 39531?
35.5
Median Age
48.4%
Male
51.6%
Female
8.7%
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?
$54,218
Median Household Income
+3% vs state ZIP avg
$32,358
Per Capita Income
16.2%
Poverty Rate
8.0%
Unemployment Rate
23.5 min
Mean Commute Time
How ZIP 39531 ranks among Mississippi ZIPs
Biloxi, MS household income vs. every Mississippi ZIP code
Median household income among 377 reporting Mississippi ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$54,218 Top 43% higher than 57% of 377 Mississippi ZIPs
Each bar is a $20K-wide band; taller bars hold more Mississippi ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
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?
Housing stock: occupied vs vacant
9,648housing units
9,648
Total Housing Units
7,940
Occupied Units
1,708
Vacant Units
2.34
Avg Household Size
Occupancy Type
$211,500
Median Home Value
+57% vs state ZIP avg
$1,097
Median Rent
1985
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
+5.7%
YoY Change (2024)
185
HPI Index (2000 = 100)
+85%
Total Change Since 2000
Home values in ZIP 39531 have increased 5.7% over the past year (2024). Since 2000, this ZIP has seen +85% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +3.1% | 135 |
| 2021 | +11.7% | 151 |
| 2022 | +7.4% | 162 |
| 2023 | +7.9% | 175 |
| 2024 | +5.7% | 185 |
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 445 business establishments in ZIP 39531, employing approximately 8,069 people with a combined annual payroll of $488,004,000.
445
Businesses
8,069
Employees
$488.0M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 110 | 24.7% |
| Accommodation and food services | 92 | 20.7% |
| Health care and social assistance | 65 | 14.6% |
| Finance and insurance | 36 | 8.1% |
| Professional, scientific, and technical services | 36 | 8.1% |
| Other services (except public administration) | 33 | 7.4% |
| Real estate and rental and leasing | 23 | 5.2% |
| Information | 11 | 2.5% |
| Administrative and support and waste management and remediation services | 10 | 2.3% |
| Arts, entertainment, and recreation | 8 | 1.8% |
| Construction | 7 | 1.6% |
| Educational services | 4 | 0.9% |
| Manufacturing | 3 | 0.7% |
| Wholesale trade | 3 | 0.7% |
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 39531 vs 39534 →
ZIP 39531 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 39532
Biloxi (39532)
32,716 residents
- 39501
Gulfport (39501)
21,987 residents
- 39531
Biloxi (39531)
17,736 residents
- 39507
Gulfport (39507)
16,234 residents
- 39540 8,522
Diberville (39540)
8,522 residents
- 39530 8,086
Biloxi (39530)
8,086 residents
- 39534 2,379
Biloxi (39534)
2,379 residents
What this shows Among its immediate neighbors, ZIP 39531 ranks #3 by population - useful context the national average alone can't give.
ZIP 39531 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 39532
Biloxi (39532)
$68,710 median income
- 39540
Diberville (39540)
$66,016 median income
- 39507
Gulfport (39507)
$54,657 median income
- 39531
Biloxi (39531)
$54,218 median income
- 39530
Biloxi (39530)
$41,117 median income
- 39501
Gulfport (39501)
$34,758 median income
What this shows By household income, ZIP 39531 ranks #4 of 6 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 39531, both outside MS so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (17,736 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Harrison County
Related Areas
Frequently Asked Questions
What county is ZIP code 39531 in?
ZIP code 39531 (Biloxi) is located in Harrison County, Mississippi. Harrison County contains multiple ZIP codes, see the full list at /counties/harrison-ms.
What is the population of ZIP code 39531?
ZIP code 39531 in Biloxi, MS has a population of 17,736 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 39531?
The median household income in ZIP 39531 is $54,218, which is 29% below the national average of $76,288.
What is the average home value in ZIP 39531?
The median home value in ZIP 39531 is $211,500, which is 24% below the national average of $278,155.
What is the demographic makeup of ZIP 39531?
The largest racial group in ZIP 39531 is White at 62.3%. Hispanic or Latino residents make up 10.7% of the population.
How many businesses are in ZIP code 39531?
ZIP code 39531 has 445 business establishments employing approximately 8,069 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 39531?
The top industries by establishment count in ZIP 39531 are: Retail trade (110), Accommodation and food services (92), Health care and social assistance (65). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 39531?
According to the FHFA House Price Index, home values in ZIP 39531 increased by 5.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 85%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 39531?
In ZIP code 39531, 57.4% of residents aged 25+ have a high school diploma or higher, and 33.0% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 39531?
The mean commute time for workers in ZIP code 39531 is 23.5 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 39531?
In ZIP code 39531, approximately 38.6% of occupied housing units are owner-occupied and 61.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 39531?
The poverty rate in ZIP code 39531 is 16.2% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 39531's numbers, next.
- See how ZIP 39531 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Biloxi, MS ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.