FY2027 Small Area FMR · Bay Saint Louis, MS

ZIP 39520 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 39520 (Bay Saint Louis, MS) is $1,200 a month, up 7.1% from FY2026. That is 1% above the Gulfport-Biloxi, MS area-wide FMR of $1,185.

2-bedroom SAFMR$1,200per month ▲ 7.1%

Area-wide 2 BR FMR$1,185Gulfport-Biloxi, MS

Rank in the area6thof 28 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,080

2 BR Small Area FMR$1,200

110% of SAFMR$1,320

Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.

Studio$850▲ 10.4%

1 BR$990▲ 8.8%

2 BR$1,200▲ 7.1%

3 BR$1,540▲ 6.2%

4 BR$1,740▲ 10.1%

FY2027 FY2026

Where 39520 sits in the Gulfport-Biloxi, MS area

Of the 28 ZIP codes HUD lists for the area, 39520 has the 6th highest two-bedroom Small Area FMR. Gulfport-Biloxi, MS is not on HUD's list of mandatory Small Area FMR areas, so voucher payment standards here are normally based on the area-wide FMR of $1,185 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,200 for this ZIP code instead.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$850	$765 – $935	$844	$770
1 bedroom	$990	$891 – $1,089	$982	$910
2 bedrooms	$1,200	$1,080 – $1,320	$1,185	$1,120
3 bedrooms	$1,540	$1,386 – $1,694	$1,525	$1,450
4 bedrooms	$1,740	$1,566 – $1,914	$1,723	$1,580

A household renting a two-bedroom home at the Small Area FMR of $1,200 needs about $48,000 a year to keep housing costs at 30% of income. The area median family income is $83,100 and the 80% low-income limit for four people is $66,500. ZIP code 39520 lies mainly in Hancock County. See the Gulfport-Biloxi, MS metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
39576	Waveland	6.0 mi	$1,030
39572	Pearlington	7.5 mi	$1,200
39529	Stennis Space Center	9.3 mi	$1,130
39525	Diamondhead	10.2 mi	$1,650
39556	Kiln	12.2 mi	$1,160
70461	Slidell	14.2 mi	$1,300

Questions

What is the Fair Market Rent for ZIP code 39520?

HUD's FY2027 Small Area Fair Market Rents for 39520 are $850 (studio), $990 (1 BR), $1,200 (2 BR), $1,540 (3 BR) and $1,740 (4 BR) a month.

What is the Section 8 payment standard in 39520?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 39520 that range is $1,080 to $1,320 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 39520?

The FY2026 income limits of the Gulfport-Biloxi, MS area apply: median family income $83,100, low-income (80%) limit $66,500 for a family of four.