The book's checklist
- Lower cost of livingEveryday prices run 10% below the U.S. average in the Gulfport-Biloxi metro area.
- More house for the moneyA typical home costs 3.9 years of the typical household's income here. Across the U.S. it's 4.1.
- A safer neighborhood12 violent crimes were reported in 2025, about 1.1 per 1,000 people (U.S.: 3.3). Property crime: 19.1 per 1,000 (U.S.: 15.3).
- Schools in town5 public schools: 3 elementary, 1 middle and 1 high school.
- A hospital close byOchsner Medical Center-Hancock is in town and has an emergency room.
- Within reach of a big cityNew Orleans is about 39 miles away as the crow flies. The book suggests staying within about 60 miles if you'll miss big-city sports, concerts and theater.
A check means Bay St. Louis meets the rule of thumb from Frank and Dave's book. An empty box isn't a deal breaker: it's something to weigh for your family. A question mark means there isn't enough data.
What kind of town
Bay St. Louis runs into the built-up area around Gulfport (Census Bureau, 2020 urban areas). We include suburbs under 20,000 people because some still feel like small towns, but daily life here is closer to the suburbs than to the towns Frank and Dave's book describes. Weigh it against towns farther out.
Boom town. The population is up 13% since 2020. Growing fast, with rising home values. Watch for chain stores and big apartment complexes: the small-town feel may not last.
The book sorts small towns into six types. These labels come only from the numbers; take the quiz to see which type fits your family.
For a lifetime
Homes and money
- Typical home value, as owners valued them in 2020-2024
- $260,200U.S.: $332,700
- Home prices since then
- Up 24%Hancock County, 2022 to 2025
- Typical rent, with utilities
- $1,179 a monthU.S.: $1,413
- Typical household income
- $67,442U.S.: $80,734
- Homes owned by the people living in them
- 77%U.S.: 65%
- Typical property tax bill
- $1,976 a yearMississippi: $1,215
- Homes built before 1940
- 7%U.S.: 12%
- Homes built since 2010
- 18%U.S.: 11%
- Vacation and seasonal homes
- 14%U.S.: 3%
- Everyday prices
- 90U.S. average = 100 (the Gulfport-Biloxi metro area)
Home values and rents are what households told the Census Bureau across 2020 to 2024, so they trail today's market: county prices have moved up 24% since 2022. Everyday prices are the government's average for the Gulfport-Biloxi metro area, not Bay St. Louis alone. Check current listings before you budget.
Sources: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates; Federal Housing Finance Agency, House Price Index for counties (all transactions); U.S. Bureau of Economic Analysis, Regional Price Parities, 2024.
The people
- Population, 2025 estimate
- 10,6342020: 9,438
- Median age
- 53.3 yearsU.S.: 38.9
- Age 65 and older
- 28%U.S.: 17%
- Under 18
- 14%U.S.: 22%
- Adults with a bachelor's degree or more
- 38%U.S.: 36%
- Moved here from another county or state in the past year
- 8%U.S.: 6%
Sources: U.S. Census Bureau, Population Estimates (Vintage 2025); U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates.
Work
- Biggest lines of work
- Schools, health care and social services (24%); transportation, warehousing and utilities (13%); professional and business services (11%)
- Unemployment rate
- 8%U.S.: 5%
- Average commute
- 27 minutesU.S.: 26 minutes
- Work from home
- 16%U.S.: 15%
- Below the poverty line
- 15%U.S.: 12%
Sources: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates.
Health care
Nearest emergency room: Ochsner Medical Center-Hancock, Bay Saint Louis, MS, in town. It's a general hospital. Medicare gives it 3 of 5 stars.
Look up doctors, clinics and the hospitals themselves on Medicare's Care Compare. Ask where the most serious cases are sent.
Sources: Centers for Medicare & Medicaid Services, Hospital General Information.
Schools
5 public schools in Bay St. Louis, run by Bay St. Louis Waveland School Dist and Hancock Co School Dist.
See each school on the federal school search, then check test scores and graduation rates on Mississippi's school report card.
Sources: National Center for Education Statistics, Common Core of Data, 2023-24 (via the Urban Institute Education Data Portal); National Center for Education Statistics, IPEDS institution directory, 2024.
Internet
- Homes with cable, fiber or DSL internet
- 81%U.S.: 76%
- Homes with any internet subscription
- 91%U.S.: 91%
Before you buy, look up the address on the FCC's National Broadband Map to see which providers serve it.
Sources: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates.
Weather
- January average low
- 42°F
- July average high
- 88°F
- Days 90°F or hotter
- 48 a year
- Nights at or below freezing
- 18 a year
- Rain and melted snow
- 65.9 inches a year
- Snow
- 0 inches a year
- Elevation
- 10 feet
Weather stations: Waveland (2 miles away) and Stennis-diamondhead (6 miles away, rain and snow). Averages for 1991 to 2020.
Sources: NOAA National Centers for Environmental Information, U.S. Climate Normals 1991-2020; U.S. Geological Survey, 3D Elevation Program.
Getting around
Straight-line miles. The road is always longer, and as the book says, an interstate at 70 is a different trip from a farm road at 45. Check the real drive: Gulfport, New Orleans.
Hancock County is in a metro area of 250,000 to 1 million people (USDA rural-urban code 2, on a scale where 1 is the biggest metro areas and 9 the most rural counties).
For a day
8 places on the National Register of Historic Places, including the Rocket Propulsion Test Complex, the Beach Boulevard Historic District, the Main Street Historic District and the Old Bay St. Louis Historic District. One is a National Historic Landmark, the country's highest honor for a historic place.
National Park Service sites within about an hour:
- Gulf Islands National Seashore14 miles
- Jean Lafitte National Historical Park and Preserve46 miles
- New Orleans Jazz National Historical Park49 miles
Read about Bay St. Louis's history on Wikipedia.
Tell us what a visitor shouldn't miss, and what living there is really like. Write to Main Street at mainstreet@smalltownguide.com. The best notes from people who know the town will be added here.
Nearby
Straight-line miles.
Small towns
- Waveland, MS7,000 people, 3 miles
- Diamondhead, MS9,400 people, 4 miles
- Pass Christian, MS6,500 people, 7 miles
- Long Beach, MS17,300 people, 12 miles
- Nicholson, MS3,100 people, 23 miles
- Picayune, MS12,000 people, 23 miles
Smaller places
- Henderson Point, MS (unincorporated)237 people, 4 miles
- DeLisle, MS (unincorporated)1,906 people, 6 miles
- Kiln, MS (unincorporated)2,016 people, 8 miles
Sources
- U.S. Census Bureau, Population Estimates (Vintage 2025)
- U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates
- Federal Housing Finance Agency, House Price Index for counties (all transactions)
- U.S. Bureau of Economic Analysis, Regional Price Parities, 2024
- FBI, Crime in the United States, Table 8 (offenses known to law enforcement by city)
- Centers for Medicare & Medicaid Services, Hospital General Information
- National Center for Education Statistics, Common Core of Data, 2023-24 (via the Urban Institute Education Data Portal)
- National Center for Education Statistics, IPEDS institution directory, 2024
- NOAA National Centers for Environmental Information, U.S. Climate Normals 1991-2020
- U.S. Geological Survey, 3D Elevation Program
- National Park Service, National Register of Historic Places listings
- National Park Service, park unit boundaries
- USDA Economic Research Service, Rural-Urban Continuum Codes, 2023
- U.S. Census Bureau, 2025 Gazetteer files and 2020 urban areas
Census survey figures are estimates with a margin of error; we leave out any figure whose margin is too wide to be useful. Data last gathered October 5, 2026. See something wrong? Write to mainstreet@smalltownguide.com.