PlainZIP

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
$54,218
Median income
$211,500
Median home value
33.0%
Bachelor's or higher

The verdict

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.

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 Mississippi average), while per-capita income is $32,358. 16.2% of residents live below the poverty line, and the unemployment rate reads 8.0%. The typical home here is valued at $211,500 (57% above the state average); renters pay a median of $1,097 monthly, and 38.6% of units are owner-occupied.

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. Beyond these figures, 6 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Harrison County, letting you compare 39531 to its immediate surroundings rather than a national baseline alone.

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.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 39531?

35.5

Median Age

48.4%

Male

51.6%

Female

8.7%

Foreign-Born

White 62.3%
African American 17.2%
Asian 3.0%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 11.8%
Hispanic or Latino 10.7%

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

$32,358

Per Capita Income

16.2%

Poverty Rate

8.0%

Unemployment Rate

23.5 min

Mean Commute Time

How ZIP 39531 ranks nationally

Biloxi, MS household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$54,218 20th percentile higher than 20% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US 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?

High School Graduate or Higher 57.4%
Bachelor's Degree or Higher 33.0%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

9,648

Total Housing Units

7,940

Occupied Units

1,708

Vacant Units

2.34

Avg Household Size

Occupancy Type

Owner 38.6%
Renter 61.4%

$211,500

Median Home Value

+57% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 39531 ranks #3 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 39531 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

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.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
39534 Biloxi, MS 2,379 2.8 mi
39507 Gulfport, MS 16,234 4.1 mi
39530 Biloxi, MS 8,086 5.2 mi
39532 Biloxi, MS 32,716 6.2 mi
39540 Diberville, MS 8,522 4.8 mi
39501 Gulfport, MS 21,987 8.2 mi

More ZIP Codes in Harrison County

39503 standard
Gulfport, MS
Pop: 45,309
39532 standard
Biloxi, MS
Pop: 32,716
39501 standard
Gulfport, MS
Pop: 21,987
39560 standard
Long Beach, MS
Pop: 16,844
39507 standard
Gulfport, MS
Pop: 16,234
39574 standard
Saucier, MS
Pop: 13,613

Related Areas

Harrison County Biloxi, MS Mississippi

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.

Read our methodology to see how this data is sourced, computed, and verified.