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Area data

North bay, MS — ZIP 39532

Population: 36,662 (Census ACS)

The median home value in ZIP 39532 (North bay, MS) is $274,490 — up 3.3% over the past year. The median sale price is $230,000. Typical rent runs $1,399/month. 8 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively High, with hurricane, lightning, coastalflooding the top-rated hazards. Cost of living is 15.0% below the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$274,490

Median home value

+3.3%

1-year change

Relatively High

Hazard risk (county)

Home values & appreciation

Median home value
$274,490
1-year appreciation
+3.3%
3-year appreciation
+5.3%
5-year appreciation
+18.7%
10-year appreciation
+56.2%
All-time peak (2026-07)
$274,490
House Price Index (state)
322.1 (+3.8% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$230,000
Median list price
$240,500
Median price per sqft
$183
Homes sold (recent period)
1
For-sale inventory
148
Sale-to-list ratio
97.0%
Active listings
2
1-year forecast
+0.5%
Days to pending
57 days
New listings (monthly)
42

Source: recent area sales and market data (ZIP-level)

Rents

Typical rent
$1,399/mo
1-year rent change
+3.9%
Studio fair-market rent
$705/mo
1BR fair-market rent
$882/mo
2BR fair-market rent
$1,046/mo
3BR fair-market rent
$1,360/mo
4BR fair-market rent
$1,569/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Low)
85.0 (100 = US avg)
Electricity rate (state-level)
14.0¢/kWh
Natural gas rate (state-level)
$16.60/MCF
30-year mortgage rate (national)
6.66%
15-year mortgage rate (national)
6.00%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
8
Elementary schools
4
Middle schools
1
High schools
3
School districts serving the area
BILOXI PUBLIC SCHOOL DIST, HARRISON CO SCHOOL DIST, JACKSON CO SCHOOL DIST
Schools include
BILOXI HIGH SCHOOL, R D BROWN VOC CENTER, BILOXI JUNIOR HIGH, NORTH BAY ELEMENTARY SCHOOL, DIBERVILLE SENIOR HIGH SCH

Source: NCES school directory, 2022-23 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively High
Top hazards (county)
hurricane, lightning, coastalFlooding, strongWind, tornado
Notable hazard ratings (county)
coastalFlooding: Relatively High · coldWave: Relatively Moderate · drought: Relatively Low · earthquake: Relatively Low · hail: Relatively Moderate · heatWave: Relatively Moderate
FEMA flood zone
AE
Flood risk level
High
Wildfire risk to homes (county)
Higher than 90% of US counties
Buildings in wildfire direct-exposure zone
45.1%
Radon potential (county)
Low radon potential — EPA Zone 3 of 3
EPA Superfund (NPL) sites within 5 mi
None
Nearest Superfund site
Chemfax, Inc. (8.7 mi)
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature
69.0°F
Average high
76.0°F
Average low
61.0°F
Annual precipitation
64.4 in
USDA plant hardiness zone
9a (extreme annual low 20 to 25°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Air quality

Air quality rating
Moderate
Median AQI (annual)
51
Days with Good air quality
166
Days with Moderate air quality
193
Highest AQI recorded (year)
105

Source: EPA air quality data (nearest monitoring station, annual)

Walkability & transit

Walkability index
5.5 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
20,329
Jobs reachable by transit (45 min)
19,297

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

Airports within 30 mi
11
Nearest airport
Keesler Air Force Base (BIX) (6 mi)
Nearest major airport
Keesler Air Force Base (BIX) (6 mi)
Hospitals nearby (~15 mi)
5
Hospitals include
Memorial Hospital Biloxi, SINGING RIVER GULFPORT, GULFPORT BEHAVIORAL HEALTH SYSTEM
Avg hospital rating (CMS)
2.7 / 5
Best hospital rating nearby (CMS)
5.0 / 5
Solar radiation rating
Good (4.8 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
+302 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
2,000
Housing built before 1970
10.8%
Housing built 2000 or later
49.6%
Median annual property tax
$1,442
Mean commute to work
21 min
Households with broadband internet
76.1%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
68,767
Average weekly wage
$811
Top industries (by employment)
Accommodation & Food, Health Care, Administrative Services
Annual residential building permits (county)
962

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 39532State medianUS median
Median home value$274,490$154,088$289,727
Median sale price$230,000$224,950$325,000
Typical rent$1,399/mo$1,471/mo$1,808/mo
Median annual property tax$1,442$859$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in ZIP 39532?
$274,490.
What is the median sale price in ZIP 39532?
$230,000.
What is typical rent in ZIP 39532?
Typical rent: $1,399/month.
What is the natural-hazard risk in ZIP 39532?
Overall risk: Relatively High (FEMA NRI, county-level). Top hazards: hurricane, lightning, coastalFlooding, strongWind, tornado.
Is ZIP 39532 in a flood zone?
High (FEMA NFIP). FEMA flood zone AE.
What is the wildfire risk in ZIP 39532?
Risk to homes is higher than 90% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 39532?
Low radon potential — EPA Zone 3 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 39532?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve ZIP 39532?
8 schools (4 elementary, 1 middle, 3 high) (NCES, 2022-23).
Is ZIP 39532 walkable?
Walkability index: 5.5/20 (EPA Smart Location Database).
What is the air quality in ZIP 39532?
Moderate. Median AQI: 51. (EPA AQI).
What is the cost of living in ZIP 39532?
Regional Price Parity: 85.0 (100 = US average) (Low) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Sep 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents