39520 ZIP Code — Bay Saint Louis, MS

Hancock County, Mississippi

ZIP code 39520 is located in Bay Saint Louis, Mississippi, within Hancock County. It covers approximately 96.93 square miles and serves a population of 15,281 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 228.

About ZIP code 39520

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $200,600. Owner-occupancy sits near the national average at 75%.

The gap between median ($56,147) and mean household income suggests income inequality — a small number of higher earners pull the average up. 44% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 29 minutes is near the national average.

Educational attainment is near the national average, with 29% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (20%) compared to national benchmarks.

15,281

population

96.93

sq mi land

Standard

ZIP type

Central (CT)

timezone

39520 ZIP code map

Cities in ZIP code 39520

Below are the cities the US Postal Service accepts for ZIP code 39520. Using any city not on this list may result in mail delivery delays.

City	Status
Bay Saint Louis	Acceptable
Bay Saint Louis	Preferred

Nearby ZIP codes

39529 Stennis Space Center (7.9 mi) 39525 Diamondhead (8.1 mi) 39522 Stennis Space Center (10.3 mi) 39556 Kiln (11.6 mi) 70461 Slidell (12.3 mi) 39466 Picayune (14.9 mi) 39571 Pass Christian (15.5 mi) 70452 Pearl River (17.1 mi) 39560 Long Beach (19.3 mi) 70458 Slidell (19.6 mi) 70460 Slidell (19.6 mi)

Demographics updated 05/2026

Population
Total population	15,281
Population density	158 / sq mi
State FIPS	28
County FIPS	045

Geography
Land area	96.93 sq mi
Water area	5.28 sq mi
Latitude	30.3341
Longitude	-89.4970
Timezone	Central (CT)
Area code	228

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	53.9%	48.7%	52.9%
$50k – $100k	25.8%	26.1%	28.4%
$100k – $200k	13.0%	19.7%	15.3%
Over $200k	7.3%	5.5%	3.4%

Demographics & statistics

15,281

Population

158

People per sq mi

47.8

Median age

$56,147

Median household income

$40,380

Per capita income

$200,600

Median home value

$981

Median monthly rent

75.0%

Home ownership

16.4%

Poverty rate

8.9%

Unemployment

6,533

Housing units

29.0%

Bachelor's or higher

Age distribution

Male Female

296

Under 5

344

336

5–9

390

507

10–14

590

347

15–19

404

272

20–24

316

713

25–34

828

722

35–44

839

1,202

45–54

1,397

470

55–59

547

625

60–64

727

1,031

65–74

1,198

427

75–84

496

119

85+

138

← Male

Female →

Age summary

Group	Count	%
Under 18	2,925	19.1%
18 and over	12,356	80.9%
65 and over	3,409	22.3%
Median age	47.8 years

Race & ethnicity

White 78.2%

Black or African American 10.7%

Two or more races 4.3%

Hispanic or Latino 2.7%

Other race 1.8%

American Indian / Alaska Native 1.3%

Asian 0.9%

Group	Count	%
White	12,286	78.2%
Black or African American	1,688	10.7%
Two or more races	680	4.3%
Hispanic or Latino	429	2.7%
Other race	284	1.8%
American Indian / Alaska Native	198	1.3%
Asian	145	0.9%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	53.9%	48.7%	52.9%
$50k – $100k	25.8%	26.1%	28.4%
$100k – $200k	13.0%	19.7%	15.3%
Over $200k	7.3%	5.5%	3.4%

Under $10k 4.9%

$10k–$15k 4.7%

$15k–$25k 10.0%

$25k–$35k 7.7%

$35k–$50k 19.5%

$50k–$75k 14.0%

$75k–$100k 9.9%

$100k–$150k 15.2%

$150k–$200k 6.0%

$200k+ 8.1%

Range	% of households
Under $10k	4.9%
$10k–$15k	4.7%
$15k–$25k	10.0%
$25k–$35k	7.7%
$35k–$50k	19.5%
$50k–$75k	14.0%
$75k–$100k	9.9%
$100k–$150k	15.2%
$150k–$200k	6.0%
$200k+	8.1%
Median income	$56,147

Housing

Home values

Under $50k 7.5%

$50k–$100k 13.1%

$100k–$150k 8.6%

$150k–$200k 20.6%

$200k–$300k 22.1%

$300k–$500k 18.6%

$500k–$1M 8.9%

$1M+ 0.7%

Housing overview

Metric	Value
Median home value	$200,600
Median rent / month	$981
Owner occupied	75.0%
Renter occupied	25.0%
Vacant	18.3%
Single-family detached	80.4%
Large apartment buildings	5.6%
Mobile homes	4.1%
Median rooms	5.4
Avg household size (owned)	2.12

Year built

Era	%
2020 or later	1.5%
2010–2019	13.0%
2000–2009	33.2%
1990–1999	14.8%
1980–1989	5.5%
1970–1979	10.5%
1960–1969	9.6%
1950–1959	2.3%
1940–1949	3.9%
1939 or earlier	5.8%

Bedrooms

Size	% of units
No bedroom (studio)	1.3%
1 bedroom	6.6%
2 bedrooms	25.7%
3 bedrooms	55.3%
4 bedrooms	8.1%
5+ bedrooms	3.1%

Vehicles per household

Vehicles	% of households
No vehicle	5.0%
1 vehicle	33.8%
2 vehicles	41.9%
3 or more	19.3%

Heating fuel

Fuel type	%
Utility gas	14.4%
Electricity	82.5%
Propane / LP gas	0.8%
Wood	0.2%
No fuel used	2.1%

Households & families

Household type	Count	%
Married-couple family	3,166	47.2%
Cohabiting couple	649	9.7%
Male householder, no spouse	691	10.3%
Female householder, no spouse	2,206	32.9%
Households with children under 18	2,127	31.7%
Households with seniors (65+)	2,585	38.5%
Average household size	2.25

Marital status

Status	Male	Female
Never married	21.5%	20.9%
Married	59.9%	45.2%
Separated	2.1%	5.5%
Widowed	4.0%	11.7%
Divorced	12.4%	16.6%

Education

Less than 9th grade 2.9%

Some HS, no diploma 6.0%

HS graduate 28.8%

Some college, no degree 23.0%

Associate's degree 10.3%

Bachelor's degree 15.5%

Graduate / professional 13.5%

Metric	%
HS diploma or higher	91.1%
Bachelor's or higher	29.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	81	2.6%
Kindergarten	76	2.5%
Elementary school	1,655	53.6%
High school	632	20.5%
College / grad school	645	20.9%

Employment

Industry of employment

Education & healthcare 22.2%

Arts, food & hospitality 14.1%

Transportation & utilities 12.0%

Retail trade 10.9%

Professional & management 9.1%

Manufacturing 6.8%

Construction 6.5%

Public administration 5.5%

Finance & real estate 4.2%

Wholesale trade 3.2%

Other services 2.6%

Information 1.8%

Agriculture & mining 1.0%

Occupation

Category	%
Management, business & arts	37.5%
Service	17.4%
Sales & office	25.6%
Natural resources & construction	10.9%
Production & transportation	8.6%

Employment type

Type	%
Private sector	69.5%
Government	19.6%
Self-employed	9.5%
Unpaid family workers	1.4%

Commute

Method	%
Drive alone	73.1%
Carpool	6.8%
Public transit	0.0%
Walk	2.3%
Work from home	13.7%
Other means	4.1%
Avg commute (minutes)	28.9

Poverty

All people 16.4%

Under 18 years 33.8%

18 and over 12.4%

Married-couple families 5.7%

Female-led households 39.6%

Income support

Source	% of households
Social Security	43.5%
Retirement income	30.0%
Supplemental Security	7.8%
Cash public assistance	5.1%
Food stamps / SNAP	14.1%

Health indicators

Condition	%
Obesity	35.4%
High blood pressure	39.6%
High cholesterol	37.3%
Diabetes	12.1%
Heart disease	7.7%
Stroke	3.8%
Asthma	9.6%
Arthritis	29.9%
Kidney disease	3.3%
Pulmonary disease	8.4%
Cancer	6.6%

Behavior / access	%
Smoking	20.2%
Binge drinking	14.3%
No physical activity	27.1%
Less than 7 hrs sleep	35.4%
Depression	22.2%
Fair or poor health	19.5%
Poor mental health	14.9%
Poor physical health	11.8%
No health insurance	17.8%
Visited doctor (checkup)	75.4%
Visited dentist	53.6%
Cholesterol screening	88.5%
Teeth loss	16.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,100	8.9%

Disability	%
Any disability	19.3%
Under 18	7.7%
18–64 years	17.0%
65 and over	35.4%

Health insurance coverage

Type	%
Private insurance	60.7%
Public insurance	43.6%
No insurance	12.2%
Uninsured under 19	7.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	14,641	95.8%
Spanish	78	0.5%
Other Indo-European	10	0.1%
Asian & Pacific Islander	22	0.2%
Other languages	12	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	14,885	97.4%
Born in same state	14,748	96.5%
Born in different state	6,808	44.6%
Foreign born	137	0.9%
Naturalized citizen	396	2.6%
Not a US citizen	277	69.9%

Ancestry

Ancestry	Count	%
French	1,985	13%
Italian	1,888	12.4%
Arab	1,750	11.5%
German	87	0.6%

Ancestry	Count	%
English	85	0.6%
Polish	38	0.2%
Norwegian	6	0%

Technology access

Metric	% of households
Computer access	43.9%
Internet access	93.6%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 39520

What city is ZIP code 39520 in?

ZIP code 39520 is primarily assigned to Bay Saint Louis, Mississippi.

What county is ZIP code 39520 in?

ZIP code 39520 falls within Hancock County, Mississippi.

Does ZIP code 39520 have a large retiree population?

44% of households in ZIP code 39520 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 39520?

16% of residents in ZIP code 39520 live below the poverty line, above the national average.

What is the population of ZIP code 39520?

ZIP code 39520 has an estimated population of 15,281 residents, with a density of 158 people per square mile.

What is the typical home value in ZIP code 39520?

The median home value in ZIP code 39520 is $200,600.

What timezone is ZIP code 39520 in?

ZIP code 39520 observes the CST timezone.