FY2027 Small Area FMR · Biloxi, MS

ZIP 39531 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 39531 (Biloxi, MS) is $1,180 a month, up 3.5% from FY2026. That is 0% equal to the Gulfport-Biloxi, MS area-wide FMR of $1,185.

2-bedroom SAFMR$1,180per month ▲ 3.5%

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

Rank in the area14thof 28 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,062

2 BR Small Area FMR$1,180

110% of SAFMR$1,298

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

Studio$840▲ 6.3%

1 BR$980▲ 6.5%

2 BR$1,180▲ 3.5%

3 BR$1,520▲ 3.4%

4 BR$1,720▲ 6.8%

FY2027 FY2026

Where 39531 sits in the Gulfport-Biloxi, MS area

Of the 28 ZIP codes HUD lists for the area, 39531 has the 14th 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 $1,180 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	$840	$756 – $924	$844	$790
1 bedroom	$980	$882 – $1,078	$982	$920
2 bedrooms	$1,180	$1,062 – $1,298	$1,185	$1,140
3 bedrooms	$1,520	$1,368 – $1,672	$1,525	$1,470
4 bedrooms	$1,720	$1,548 – $1,892	$1,723	$1,610

A household renting a two-bedroom home at the Small Area FMR of $1,180 needs about $47,200 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 39531 lies mainly in Harrison 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
39534	Biloxi	2.5 mi	$1,030
39507	Gulfport	4.1 mi	$1,230
39540	Diberville	4.7 mi	$1,290
39530	Biloxi	5.1 mi	$1,030
39532	Biloxi	5.8 mi	$1,200
39501	Gulfport	8.2 mi	$1,060

Questions

What is the Fair Market Rent for ZIP code 39531?

HUD's FY2027 Small Area Fair Market Rents for 39531 are $840 (studio), $980 (1 BR), $1,180 (2 BR), $1,520 (3 BR) and $1,720 (4 BR) a month.

What is the Section 8 payment standard in 39531?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 39531 that range is $1,062 to $1,298 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 39531?

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.