HomeMississippiHancock CountyBay St. Louis
Bay St. Louis, Mississippi: commercial real estate data.
Bay St. Louis is a Census city of 10,188 people across 14.69 square miles of land, in Hancock County. Median household income is $67,442, 76.7 percent of occupied homes are owned, and the SBA record carries 8 7(a) approvals to borrowers here worth $3.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Bay St. Louis
What Bay St. Louis is
- Census place typecity
- Land area14.69 sq mi
- Water area11.93 sq mi
- Population per square mile of land693
- County holding the largest share of its areaHancock County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bay St. Louis
How many people live in Bay St. Louis
- Population10,188
- Median age53.3
- Population under 181,420 plus or minus 371
- Share under 1813.9 percent plus or minus 3.6
- Population 65 and over2,869
- Share 65 and over28.2 percent
- Households5,088
- Family households3,293
- Share of households that are families64.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bay St. Louis
Income and work in Bay St. Louis
- Median household income$67,442
- Per capita income$55,519
- Civilian labor force5,081
- Employed4,683
- Unemployed398 plus or minus 207
- Unemployment rate7.8 percent plus or minus 4.0
- Adults 25 and over8,209
- Adults 25 and over with a high school diploma or higher90.6 percent
- Adults 25 and over with a bachelor degree or higher38.3 percent
- Adults 25 and over with a graduate degree15.8 percent plus or minus 4.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bay St. Louis
Housing in Bay St. Louis
- Housing units6,418
- Occupied units5,088
- Vacant units1,330 plus or minus 319
- Vacancy rate20.7 percent plus or minus 4.8
- Owner occupied3,903
- Renter occupied1,185 plus or minus 278
- Ownership rate76.7 percent
- Median owner-occupied home value$260,200
- Median gross rent, monthly$1,179
- Annual rent as a share of median income21.0 percent plus or minus 4.3
- Single family units5,350
- Share single family83.4 percent
- Units in buildings of two or more864 plus or minus 269
- Share in buildings of two or more13.5 percent plus or minus 4.1
- Mobile homes193 plus or minus 145
- Median year structure built1995
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bay St. Louis
How Bay St. Louis gets to work
- Workers 16 and over who commute3,881
- Commuting under 15 minutes1,269 plus or minus 335
- Share commuting under 15 minutes32.7 percent plus or minus 7.8
- Commuting 30 minutes or more1,546 plus or minus 391
- Share commuting 30 minutes or more39.8 percent plus or minus 9.0
- Drove alone74.6 percent
- Carpooled5.4 percent plus or minus 2.6
- Public transport0.0 percent
- Walked1.9 percent plus or minus 1.7
- Worked from home15.6 percent plus or minus 10.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bay St. Louis
SBA loans in Bay St. Louis (7(a))
- Approvals8
- Gross approval$3,298,300
- Average approval$412,288
- Median approval$301,300
- Largest approval$1,200,000
- Jobs supported67
- Jobs per approval8.4
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term122 months
- Share on real estate terms of 20 years or more12.5 percent
- Share to franchises25.0 percent
- Distinct lenders6
- Distinct industries by NAICS7
Counted by borrower city: approvals to borrowers whose address is in Bay St. Louis, in any county, FY2020 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Bay St. Louis
SBA loans in Bay St. Louis (504)
- Approvals1
- Gross approval$359,000
- Average approval$359,000
- Median approval$359,000
- Largest approval$359,000
- Jobs supported15
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Bay St. Louis, in any county, FY2010 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Bay St. Louis
Flood risk in Bay St. Louis
- NFIP communityCity of Bay St. Louis
- NFIP community number285251
- Participating in the NFIPYes
- Community Rating System classClass 7
- Currently effective map date10/16/09
The City of Bay St. Louis participates in the National Flood Insurance Program as community 285251 and carries Community Rating System class 7, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Hancock County, not Bay St. Louis
Hancock County context, not Bay St. Louis figures
- Establishments in Hancock County850
- Covered employment, Hancock County14,399
- Average annual pay, Hancock County$62,168
- Housing units permitted, Hancock County244
Every figure in this section is published for Hancock County as a whole and is not a measurement of Bay St. Louis.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Bay St. Louis questions, answered from the record.
How many people live in Bay St. Louis, Mississippi?
10,188, in 5,088 households. Bay St. Louis city covers 14.69 square miles of land, which is 693 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Bay St. Louis in?
Hancock County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Bay St. Louis?
$67,442. The median owner-occupied home is valued at $260,200. Median gross rent is $1,179 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Bay St. Louis businesses?
8 7(a) approvals totaling $3.3 m since FY2020, across 6 lenders, median approval $301,300, plus 1 504 approvals worth $359,000 since FY2010. These count approvals to borrowers whose address is in Bay St. Louis, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Bay St. Louis borrowers get paid back?
No rate is published for Bay St. Louis. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Bay St. Louis in the National Flood Insurance Program?
Yes. Bay St. Louis appears in the FEMA Community Status Book as Bay St. Louis, city of, community 285251, carrying Community Rating System class 7, which is a premium discount for exceeding the program minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Bay St. Louis figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Hancock County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Bay St. Louis.
Is zoning published for Bay St. Louis?
No. Nothing on this page presents parcel level zoning.
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