HomeMississippiJackson CountyOcean Springs
Ocean Springs, Mississippi: commercial real estate data.
Ocean Springs is a Census city of 18,646 people across 11.55 square miles of land, in Jackson County. Median household income is $79,712, 68.7 percent of occupied homes are owned, and the SBA record carries 31 7(a) approvals to borrowers here worth $22.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Ocean Springs
What Ocean Springs is
- Census place typecity
- Land area11.55 sq mi
- Water area3.66 sq mi
- Population per square mile of land1,614
- County holding the largest share of its areaJackson 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.
Ocean Springs
How many people live in Ocean Springs
- Population18,646
- Median age43.3
- Population under 183,861
- Share under 1820.7 percent
- Population 65 and over3,999
- Share 65 and over21.4 percent
- Households8,202
- Family households5,182
- Share of households that are families63.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ocean Springs
Income and work in Ocean Springs
- Median household income$79,712
- Per capita income$45,853
- Civilian labor force9,447
- Employed9,050
- Unemployed397 plus or minus 244
- Unemployment rate4.2 percent plus or minus 2.6
- Adults 25 and over13,605
- Adults 25 and over with a high school diploma or higher93.9 percent
- Adults 25 and over with a bachelor degree or higher46.3 percent
- Adults 25 and over with a graduate degree19.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ocean Springs
Housing in Ocean Springs
- Housing units8,913
- Occupied units8,202
- Vacant units711 plus or minus 229
- Vacancy rate8.0 percent plus or minus 2.5
- Owner occupied5,638
- Renter occupied2,564
- Ownership rate68.7 percent
- Median owner-occupied home value$259,400
- Median gross rent, monthly$1,358
- Annual rent as a share of median income20.4 percent
- Single family units7,217
- Share single family81.0 percent
- Units in buildings of two or more1,653 plus or minus 377
- Share in buildings of two or more18.5 percent plus or minus 4.2
- Mobile homes43 plus or minus 54
- Median year structure built1979
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ocean Springs
How Ocean Springs gets to work
- Workers 16 and over who commute8,063
- Commuting under 15 minutes2,081
- Share commuting under 15 minutes25.8 percent
- Commuting 30 minutes or more2,819
- Share commuting 30 minutes or more35.0 percent
- Drove alone83.9 percent
- Carpooled3.9 percent plus or minus 2.4
- Public transport0.0 percent
- Walked0.8 percent plus or minus 0.8
- Worked from home10.6 percent plus or minus 3.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ocean Springs
SBA loans in Ocean Springs (7(a))
- Approvals31
- Gross approval$22,780,600
- Average approval$734,858
- Median approval$150,000
- Ninetieth percentile approval$2,030,000
- Largest approval$4,420,000
- Jobs supported692
- Jobs per approval22.3
- Loans with a final outcome3
- Paid in full3
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more16.1 percent
- Share to franchises32.3 percent
- Distinct lenders18
- Distinct industries by NAICS25
Counted by borrower city: approvals to borrowers whose address is in Ocean Springs, in any county, FY2020 to FY2026. Only 3 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.
Ocean Springs
SBA loans in Ocean Springs (504)
- Approvals2
- Gross approval$2,140,000
- Average approval$1,070,000
- Median approval$1,070,000
- Largest approval$1,250,000
- Jobs supported20
- Loans with a final outcome1
- Charged off0
- Median term180 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Ocean Springs, in any county, FY2010 to FY2026. Only 1 loan has 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.
Ocean Springs
Flood risk in Ocean Springs
- NFIP communityCity of Ocean Springs
- NFIP community number285259
- Participating in the NFIPYes
- Community Rating System classClass 8
- Currently effective map date03/16/09
The City of Ocean Springs participates in the National Flood Insurance Program as community 285259 and carries Community Rating System class 8, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Jackson County, not Ocean Springs
Jackson County context, not Ocean Springs figures
- Establishments in Jackson County2,358
- Covered employment, Jackson County51,303
- Average annual pay, Jackson County$59,641
- Housing units permitted, Jackson County516
Every figure in this section is published for Jackson County as a whole and is not a measurement of Ocean Springs.
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
Ocean Springs questions, answered from the record.
How many people live in Ocean Springs, Mississippi?
18,646, in 8,202 households. Ocean Springs city covers 11.55 square miles of land, which is 1,614 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Ocean Springs in?
Jackson 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 Ocean Springs?
$79,712. The median owner-occupied home is valued at $259,400. Median gross rent is $1,358 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Ocean Springs businesses?
31 7(a) approvals totaling $22.8 m since FY2020, across 18 lenders, median approval $150,000, plus 2 504 approvals worth $2.1 m since FY2010. These count approvals to borrowers whose address is in Ocean Springs, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Ocean Springs borrowers get paid back?
No rate is published for Ocean Springs. Only 3 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 Ocean Springs in the National Flood Insurance Program?
Yes. Ocean Springs appears in the FEMA Community Status Book as Ocean Springs, city of, community 285259, carrying Community Rating System class 8, 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 Ocean Springs figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Jackson 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 Ocean Springs.
Is zoning published for Ocean Springs?
No. Nothing on this page presents parcel level zoning.