How much do homeowners pay a month in Bay St. Louis, MS?
Homeowners with a mortgage in Bay St. Louis, MS pay a median of $1,692 (±$195) a month in selected owner costs (2020–2024 American Community Survey).
Owners without a mortgage pay $549 (±$75).
46.9% of owned homes carry a mortgage.
In Bay St. Louis, the median monthly cost with a mortgage went from $1,193 in 2015–2019 to $1,692 in 2020–2024 (+41.8%).
Prices (CPI-U) rose 22.7% over the same years, so it rose faster than prices: a measurable increase after inflation.
Figures last updated on .
- With a mortgage
- $1,692 (±$195)
- Without a mortgage
- $549 (±$75)
- Owned with a mortgage
- 46.9%
Monthly owner costs in Bay St. Louis
| Bay St. Louis | Hancock County | Mississippi | United States | |
|---|---|---|---|---|
| With a mortgage | $1,692 (±$195) | $1,551 (±$102) | $1,394 (±$10) | $1,963 |
| Without a mortgage | $549 (±$75) | $486 (±$32) | $432 (±$4) | $638 |
| Owned homes with a mortgage | 46.9% (±7.3 points) | 50.6% (±3.5 points) | 49.4% (±0.5 points) | 60.6% |
| Median real estate taxes (a year) | $1,976 (±$437) | $1,583 (±$148) | $1,215 (±$12) | $3,119 |
Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.
In Bay St. Louis, the median cost with a mortgage is not measurably different from Hancock County ($1,551).
It is also higher than in Mississippi ($1,394).
It is lower than the national figure ($1,963).
In Hancock County, Bay St. Louis ranks 1 of 5 places with a published estimate, from highest to lowest median monthly cost with a mortgage.
Statewide, it ranks 21 of 312.
Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.
How owner costs in Bay St. Louis have changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Median owner cost with a mortgage | $1,193 (±$68) | $1,692 (±$195) | +41.8% | Up after inflation |
| Median real estate taxes | $1,140 (±$202) | $1,976 (±$437) | +73.3% | Up after inflation |
| Median home value | $172,600 (±$16,352) | $260,200 (±$35,435) | +50.8% | Up after inflation |
The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.
Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.
The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.
Median monthly cost with a mortgage in places near Bay St. Louis
| Place | Distance | Median monthly cost with a mortgage | Compared with this place |
|---|---|---|---|
| Bay St. Louis | — | $1,692 (±$195) | — |
| Waveland | 2.8 mi | $1,401 (±$87) | Lower |
| Diamondhead | 4.1 mi | $1,570 (±$121) | Not measurably different |
| DeLisle | 6.4 mi | $1,636 (±$378) | Not measurably different |
| Pass Christian | 7.1 mi | $1,656 (±$281) | Not measurably different |
| Kiln | 7.8 mi | $1,686 (±$284) | Not measurably different |
| Long Beach | 12 mi | $1,605 (±$76) | Not measurably different |
| Pearlington | 16 mi | $1,185 (±$568) | Not measurably different |
| Gulfport | 19 mi | $1,339 (±$48) | Lower |
Nearby places with a measurably lower figure: Waveland, MS ($1,401), Gulfport, MS ($1,339).
Distance is measured in a straight line between the Census Bureau’s internal points for each place.
Median monthly cost with a mortgage across Hancock County, place by place
| Rank | Place | Median monthly cost with a mortgage |
|---|---|---|
| 1 | Bay St. Louis | $1,692 (±$195) |
| 2 | Kiln | $1,686 (±$284) |
| 3 | Diamondhead | $1,570 (±$121) |
| 4 | Waveland | $1,401 (±$87) |
| 5 | Pearlington | $1,185 (±$568) |
Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.
Margins of error are at the 90% confidence level.
What you can do on Seayora in Bay St. Louis
One account for renting, owning, managing and fixing homes, with these figures beside you.
Own or manage a rental?
List it, sign the lease and collect rent online, with the figures for Bay St. Louis beside you.
Create a landlord account · See what landlords get
Looking for a place to rent?
Browse homes for rent near Bay St. Louis, save the ones you like and apply online.
Browse rentals · Create a renter account
Do repairs, renovations or maintenance?
Get found by owners and renters near Bay St. Louis, and send estimates and invoices from your phone.
Questions about Bay St. Louis
What is the average mortgage payment in Bay St. Louis?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Bay St. Louis, MS is $1,692 (±$195) a month, including taxes, insurance and utilities.
How much does it cost to own a paid-off home in Bay St. Louis?
Owners without a mortgage in Bay St. Louis pay a median of $549 (±$75) a month in taxes, insurance, utilities and fees.
Has the cost of owning a home in Bay St. Louis gone up?
In Bay St. Louis, the median monthly cost with a mortgage went from $1,193 in 2015–2019 to $1,692 in 2020–2024 (+41.8%).
Prices (CPI-U) rose 22.7% over the same years, so it rose faster than prices: a measurable increase after inflation.
Sources
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Bay St. Louis city, Mississippi
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Bay St. Louis city, Mississippi
- Median Selected Monthly Owner Costs (B25088), 2015–2019 ACS 5-year estimates — Bay St. Louis city, Mississippi
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2015–2019 ACS 5-year estimates — Bay St. Louis city, Mississippi
- Median Value (B25077), 2015–2019 ACS 5-year estimates — Bay St. Louis city, Mississippi
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Bay St. Louis city, Mississippi (place:03980, in state:28).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.
The API needs a free key.
DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.
Figures last updated on .
Related
- Housing in Bay St. Louis at a glance
- Median rent in Bay St. Louis
- Rent by bedrooms in Bay St. Louis
- Rent burden in Bay St. Louis
- Renters and owners in Bay St. Louis
- Income and affordability in Bay St. Louis
- Home values in Bay St. Louis
- Property taxes in Bay St. Louis
- Types of homes in Bay St. Louis
- Bedrooms in Bay St. Louis
- Age of homes in Bay St. Louis
- Vacancy rate in Bay St. Louis
- Heating fuel in Bay St. Louis
- Commute and cars in Bay St. Louis
- Crime reported to police in Bay St. Louis
- Population growth in Bay St. Louis
- How long people stay in Bay St. Louis
- Crowding and facilities in Bay St. Louis
- Mississippi landlord and tenant rules
- Housing across Hancock County
- Housing data for every place in Mississippi