Zip code 39520: Bay Saint Louis, Mississippi

Q: What city is zip code 39520?

39520 is assigned to Bay Saint Louis, Mississippi. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 39520 in?

39520 is in Hancock County, Mississippi.

Q: What is the population of 39520?

About 15,561 people live in 39520, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 39520?

The median household income in 39520 is $62,176.

Q: What zip codes are near 39520?

The closest zip codes to 39520 are 39558, 39576, 39572, 39521, 39522.

Residential delivery areaHancock CountyCentral Time

Population

15,561

Median household income

$62K

U.S. $81K

Median home value

$226K

U.S. $333K

Median rent

$1,127/mo

U.S. $1,413

Median age

50.2

U.S. 38.9

Land area

97 sq mi

161 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 39520

39520 is a small-town zip code in Bay Saint Louis, Mississippi (Hancock County), covering 97 sq mi of land. About 15,561 people live here, or 161 per square mile. The median resident is 50.2 years old, compared with 38.9 nationally.

The median household earns $62,176 a year, 23% below the national median of $80,734. 16.5% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $225,600, or 3.6 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 75% of occupied homes are lived in by their owners, and renters pay a median of $1,127 a month.

31% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 27.6 minutes each way, and 17% of workers work from home. The most common jobs among working residents are in management, sales and healthcare.

How 39520 compares

Sorted from highest to lowest national percentile

Income inequality (Gini)0.545
97th
WeaknessU.S. 0.483 · MS 0.48232nd of 393 in MS
Median age50.2
95th
U.S. 38.9 · MS 38.633rd of 405 in MS
Housing vacancy19.8%
93rd
U.S. 10.1% · MS 14.6%125th of 397 in MS
Residents 65 and older24.3%
90th
U.S. 17.2% · MS 17.2%53rd of 405 in MS
Veterans9.5%
87th
U.S. 6.2% · MS 6.8%56th of 405 in MS
Unemployment rate7.8%
86th
WeaknessU.S. 5.2% · MS 5.8%109th of 405 in MS
Government workers19.8%
84th
U.S. 14.5% · MS 18.5%161st of 405 in MS
Tech workers4.9%
78th
U.S. 3.8% · MS 1.4%15th of 405 in MS
Poverty rate16.5%
75th
U.S. 12.5% · MS 18.9%249th of 398 in MS
Healthcare workers11.2%
73rd
U.S. 9.7% · MS 11.1%170th of 405 in MS
Self-employed workers11.5%
73rd
U.S. 10% · MS 9.4%112th of 405 in MS
Work from home16.9%
68th
U.S. 15.1% · MS 5.9%10th of 405 in MS
Homeownership rate75%
66th
U.S. 65.2% · MS 70%220th of 397 in MS
Per capita income$45,585
64th
U.S. $44,673 · MS $31,54915th of 405 in MS
Uninsured rate8.8%
64th
U.S. 8.4% · MS 11%281st of 403 in MS
Rent-burdened renters53.5%
61st
U.S. 51.1% · MS 51.3%141st of 377 in MS
Average commute27.6 min
60th
U.S. 26.4 min · MS 25.6 min184th of 393 in MS
Bachelor's degree or higher30.8%
48th
U.S. 35.7% · MS 25.1%48th of 403 in MS
Median earnings per worker$47,675
48th
U.S. $49,666 · MS $40,60559th of 403 in MS
Diversity index35.7
31st
U.S. 61.4 · MS 56.1269th of 405 in MS
Broadband access89.6%
31st
U.S. 91% · MS 84.1%74th of 397 in MS
Median gross rent$1,127
30th
U.S. $1,413 · MS $95433rd of 319 in MS
Median home value$225,600
27th
U.S. $332,700 · MS $169,80030th of 372 in MS
Population15,561
24th
U.S. 334,922,499 · MS 2,946,77962nd of 405 in MS
Median household income$62,176
24th
U.S. $80,734 · MS $56,447103rd of 376 in MS
Residents under 1818.7%
23rd
U.S. 22% · MS 23.3%319th of 405 in MS
Population density161/sq mi
18th
U.S. 95/sq mi · MS 63/sq mi81st of 405 in MS
Foreign-born residents2.8%
17th
U.S. 14.1% · MS 2.4%79th of 405 in MS

Measure	39520	Hancock	MS	U.S.	National percentile	Rank in MS
Income inequality (Gini)Weakness	0.545	0.481	0.482	0.483	97th	32nd of 393
Median age	50.2	46.6	38.6	38.9	95th	33rd of 405
Housing vacancy	19.8%	14.7%	14.6%	10.1%	93rd	125th of 397
Residents 65 and older	24.3%	22.6%	17.2%	17.2%	90th	53rd of 405
Veterans	9.5%	10.2%	6.8%	6.2%	87th	56th of 405
Unemployment rateWeakness	7.8%	5%	5.8%	5.2%	86th	109th of 405
Government workers	19.8%	17.9%	18.5%	14.5%	84th	161st of 405
Tech workers	4.9%	3.4%	1.4%	3.8%	78th	15th of 405
Poverty rate	16.5%	13.8%	18.9%	12.5%	75th	249th of 398
Healthcare workers	11.2%	12.5%	11.1%	9.7%	73rd	170th of 405
Self-employed workers	11.5%	10.2%	9.4%	10%	73rd	112th of 405
Work from home	16.9%	11.4%	5.9%	15.1%	68th	10th of 405
Homeownership rate	75%	79.2%	70%	65.2%	66th	220th of 397
Per capita income	$45,585	$39,800	$31,549	$44,673	64th	15th of 405
Uninsured rate	8.8%	9.3%	11%	8.4%	64th	281st of 403
Rent-burdened renters	53.5%	50.2%	51.3%	51.1%	61st	141st of 377
Average commute	27.6 min	32.5 min	25.6 min	26.4 min	60th	184th of 393
Bachelor's degree or higher	30.8%	26.8%	25.1%	35.7%	48th	48th of 403
Median earnings per worker	$47,675	$45,957	$40,605	$49,666	48th	59th of 403
Diversity index	35.7	29.6	56.1	61.4	31st	269th of 405
Broadband access	89.6%	86.6%	84.1%	91%	31st	74th of 397
Median gross rent	$1,127	$977	$954	$1,413	30th	33rd of 319
Median home value	$225,600	$224,200	$169,800	$332,700	27th	30th of 372
Population	15,561	46,167	2,946,779	334,922,499	24th	62nd of 405
Median household income	$62,176	$67,708	$56,447	$80,734	24th	103rd of 376
Residents under 18	18.7%	19.2%	23.3%	22%	23rd	319th of 405
Population density	161/sq mi	97/sq mi	63/sq mi	95/sq mi	18th	81st of 405
Foreign-born residents	2.8%	2.5%	2.4%	14.1%	17th	79th of 405

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

14%

5–17

18–24

10%

25–34

10%

35–44

16%

45–54

16%

55–64

16%

65–74

75+

Median age

50.2

Under 18

18.7%

65 and over

24.3%

Race and ethnicity

White79%
Black11%
Hispanic4%
Asian1.0%
Native American0.4%
Pacific Islander0%
Other2%
Multiracial3%

Diversity index

35.7

U.S. 61.4

Foreign-born

2.8%

U.S. 14.1%

Born in state

41%

Language spoken at home (households)

English only

92%

Spanish

Other Indo-European

0.6%

Asian / Pacific

Other

0.3%

Households

Households: 7,213
Average household size: 2.1
Family households: 66.5%
Married couples: 45.9%
Living alone: 29.1%
Veterans (of adults): 9.5%
Male / female: 47% / 53%

Income and poverty

Household income distribution

<$25k

20%

$25–50k

20%

$50–75k

18%

$75–100k

10%

$100–150k

15%

$150–200k

$200k+

Median household income

39520

$62,176

Hancock Co.

$67,708

Mississippi

$56,447

United States

$80,734

Per capita income

$45,585

U.S. $44,673

Poverty rate

16.5%

U.S. 12.5%

Households earning $150K+

17.2%

U.S. 23%

Income inequality (Gini)

0.545

U.S. 0.483

Housing

Median home value

39520

$225,600

Hancock Co.

$224,200

Mississippi

$169,800

United States

$332,700

Median gross rent

39520

$1,127

Hancock Co.

$977

Mississippi

$954

United States

$1,413

Types of housing

Single-family

81%

2–4 units

5–19 units

20+ units

Mobile home

Boat, RV, van

0.6%

Housing units: 8,994
Owner-occupied: 75%
Vacant: 19.8%
Median year built: 1998
Median rooms: 5.4
Renters paying 30%+ of income: 53.5%
Renters paying 50%+ of income: 28.8%
Home value to income: 3.6× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

68%

Carpooled

12%

Transit

Walked

Bicycle

0.1%

Worked from home

17%

Other

Commute time (one way)

<10 min

19%

10–19

21%

20–29

17%

30–44

19%

45–59

11%

60+

12%

Average commute

27.6 min

U.S. 26.4 min

Unemployment

7.8%

U.S. 5.2%

In labor force

58.5%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

15%

Sales

15%

Healthcare

11%

Construction and repair

10%

Food service

Office and admin

Transportation and moving

Computer and math

Engineering and science

Police and fire

Production

Education

Cleaning and personal care

Business and finance

Arts, media and sports

Legal and social services

Farming, fishing and forestry

Industries

Health care and social assistance

12%

Education

11%

Transportation, warehousing and utilities

11%

Retail

10%

Manufacturing

Construction

Professional and technical services

Public administration

Finance, insurance and real estate

Arts and recreation

Restaurants and hotels

Admin, support and management

Other services

Wholesale

Agriculture and mining

Information

Median earnings per worker

$47,675

U.S. $49,666

Self-employed

11.5%

U.S. 10%

Government workers

19.8%

U.S. 14.5%

Nonprofit workers

6.6%

U.S. 8.8%

Median earnings by type of work

Type of work	39520	U.S.
Management, business, science and arts	$72,907	$74,888
Service	$30,120	$26,804
Sales and office	$32,826	$40,476
Construction and maintenance	$43,846	$49,199
Production and transportation	$37,941	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

11%

High school

26%

Some college

22%

Associate's

10%

Bachelor's

18%

Graduate

13%

High school graduate or higher: 88.8%
Bachelor's degree or higher: 30.8%
Graduate or professional degree: 12.8%
Households with broadband: 89.6%
Cable, fiber or DSL: 74.2%
No internet access: 9%
Without health insurance: 8.8%
Limited-English households: 0.2%

Geography

City (USPS): Bay Saint Louis
State: Mississippi
County: Hancock County
Center point: 30.2689° N, 89.4808° W
Land area: 97 sq mi
Water area: 5.3 sq mi
Time zone: Central Time (UTC-6, UTC-5 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Bay St. Louis15% of zip
Waveland2% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 39520

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
39558	Lakeshore, MS · PO box	2.4 mi	—	—	—
39576	Waveland, MS	6 mi	6,387	$70,217	$230,000
39572	Pearlington, MS	7.5 mi	1,321	$44,786	$98,300
39521	Bay Saint Louis, MS · PO box	9.3 mi	—	—	—
39522	Stennis Space Center, MS · PO box	9.3 mi	—	—	—
39525	Diamondhead, MS	10 mi	9,338	$87,407	$259,600
39529	Stennis Space Center, MS	10 mi	0	—	—
39556	Kiln, MS	12 mi	6,041	$60,739	$171,200
70461	Slidell, LA	14 mi	34,808	$89,003	$273,500
39571	Pass Christian, MS	16 mi	14,739	$70,430	$255,900
70469	Slidell, LA · PO box	18 mi	—	—	—
70458	Slidell, LA	19 mi	39,034	$72,843	$237,700

Zip codes like 39520 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 39520

What city is zip code 39520?

39520 is assigned to Bay Saint Louis, Mississippi. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 39520 in?

39520 is in Hancock County, Mississippi.

What is the population of 39520?

About 15,561 people live in 39520, according to the Census Bureau's American Community Survey.

What time zone is 39520 in?

39520 is in Central Time.

What is the median household income in 39520?

The median household income in 39520 is $62,176.

What zip codes are near 39520?

The closest zip codes to 39520 are 39558, 39576, 39572, 39521, 39522.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 39520, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.