Market Overview
Home Prices in Bay Saint Louis, MS
The median home value in Bay Saint Louis, MS is $244,002 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 1.1% compared to a year ago and down 2.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Bay Saint Louis are priced40% below average. Bay Saint Louis is part of the Gulfport-Biloxi, MS metro area.
Over the past five years, Bay Saint Louis home values have risen by approximately11.5%, reflecting steady appreciation in this market.
Price History
Bay Saint Louis Home Price Trend
City Comparison
Bay Saint Louis vs. National Median
At $244,002, homes in Bay Saint Louis cost 40% below the national median of $410,000. This makes Bay Saint Louis a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Bay Saint Louis?
20% Down Payment
$48,800
on $244,002
Monthly P&I
$1,273/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,617/mo
incl. taxes & insurance
Income Needed
$64,680
gross annual (30% rule)
10% Down Option
$24,400
+ PMI applies
Loan Amount (20% dn)
$195,202
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Bay Saint Louis, MS?
The median home value in Bay Saint Louis is $244,002 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 1.1% year-over-year.
How much have home prices changed in Bay Saint Louis?
Over the past year, home values in Bay Saint Louis have decreased by 1.1%. Over five years, prices have risen approximately 11.5%.
How much do I need to earn to buy a home in Bay Saint Louis?
To comfortably afford the median home price of $244,002 with a 20% down payment ($48,800) at today's rates (6.8%), you'd need a gross annual income of approximately $64,680. This assumes keeping total housing costs at or below 30% of gross income.
How does Bay Saint Louis compare to the national average home price?
The national median home value is approximately $410,000. At $244,002, homes in Bay Saint Louis are 40% below the national average.
What metro area is Bay Saint Louis part of?
Bay Saint Louis is part of the Gulfport-Biloxi, MS metropolitan area. Home prices and market conditions can vary across the broader metro region.