Bay St. Louis is one of the Coast’s most beloved small towns, known for its walkable Old Town district, thriving arts scene, Second Saturday events, and its position on the bay at the mouth of the Jourdan River. With historic bungalows, waterfront cottages, and a growing community of artists, entrepreneurs, and retirees, “The Bay” offers a distinctive lifestyle that’s closer to New Orleans than to Gulfport.

Search Active Bay St. Louis Homes for Sale

Browse every active Bay St. Louis home for sale, pulled straight from the Gulf Coast MLS and updated multiple times a day. Filter by price, beds, baths, and more — or set a free email alert and we’ll send new matches the moment they hit the market.

What makes Bay St. Louis different

• Population: ~10,000
• School district: Bay-Waveland School District
• Landmarks: Old Town, Depot District, Beach Boulevard, Silver Slipper Casino (nearby)
• Drive times: 10 min to Waveland • 15 min to Diamondhead • 45 min to New Orleans • 30 min to Gulfport

Bay St. Louis neighborhoods and areas to know

Old Town / Beach Boulevard

Historic cottages, walkable, premium waterfront.

Depot District

Restored commercial/residential, arts-oriented.

North Bay

Newer construction, established residential streets, more affordable.

Shoreline Park

Water access, established, quiet.

Jourdan River area

Fishing, boating, private feel.

Why work with a local Bay St. Louis broker

Bay St. Louis has a personality — and a pricing pattern — unlike anywhere else on the Coast. We know which historic homes are properly restored versus cosmetically patched, which streets flood, and which waterfront properties are worth the insurance premium.

Selling your Bay St. Louis home

Get a free, no-obligation Bay St. Louis home value estimate based on current local comps.

Bay St. Louis Real Estate FAQ

What’s the average price of a home in Bay St. Louis, MS?

As of 2026, Bay St. Louis shows a broad range from around $250K inland to $1M+ on the beach. Call 228-207-4989 for a current snapshot of the specific area you’re considering.

Are Bay St. Louis homes in a flood zone?

Beachfront and bayfront sections of Bay St. Louis are in FEMA flood zones requiring flood insurance. Inland sections are largely outside. We pull the exact FEMA flood zone designation for every property we show.

What school district serves Bay St. Louis homes?

Bay-Waveland School District serves Bay St. Louis homes. Specific zoning depends on the address.

How long does it take to close on a Bay St. Louis home?

Typical timeline is 30 to 45 days from accepted offer to closing assuming standard financing (conventional, FHA, VA) and a clean inspection. Cash purchases can close in as few as 14 days.

About Bay St. Louis, MS

Bay St. Louis is the western Coast’s artsy beach town — Old Town district, a strong food and music scene, and a different feel from the Harrison County cities to the east. As a locally-owned brokerage with decades of Bay St. Louis transaction experience, we work the area block by block — not just from a desk in another city.

Bay St. Louis Neighborhoods and Areas to Know

Old Town (sometimes called ‘downtown the Bay’) is the walkable historic core with restaurants, galleries, and live music venues — homes here range from cottages to large historic restorations. North Bay (along Highway 90 toward Diamondhead) is newer, more conventional residential. Beachfront and bayfront properties carry premiums and require careful insurance shopping. Hancock County operates differently than Harrison — tax rates, school district, and some insurance considerations are distinct.

When we walk you through Bay St. Louis options, we don’t just show you what’s on Zillow. We share what we know about each street — recent flood history, insurance reputations, school zone boundaries, and which homes have been on and off the market multiple times (and why).

Bay St. Louis Market Snapshot

Bay St. Louis home prices in 2026 generally track the broader Mississippi Gulf Coast market, with specific neighborhoods, waterfront access, and new vs. existing construction creating wide variation. For the freshest median price, days-on-market, and inventory numbers, see our latest Gulf Coast market report, updated monthly. For a property-specific value, request a free home valuation above.

Schools in Bay St. Louis

Bay St. Louis is served by Bay-Waveland School District. School zone boundaries within the city matter — two homes a few blocks apart can fall in different elementary attendance zones. If schools are a priority, tell us when we set up your search; we’ll filter to the right zones from day one.

Flood Zones, Insurance, and Building Codes

The single biggest variable in Bay St. Louis home ownership cost — beyond the mortgage — is insurance. Mississippi Gulf Coast homes carry wind/hurricane coverage and, depending on location, flood insurance. Two important factors drive your cost:

• Flood zone designation. FEMA classifies parcels into zones (X, AE, VE, and others). Properties in AE/VE zones require flood insurance when financing, and the cost varies significantly by elevation. We pull the FEMA flood map on every property we show you.
• Year built and construction codes. Homes built after 2006 generally meet hardened post-Katrina codes — impact-rated windows, elevated mechanicals where required, reinforced roof attachments. They insure dramatically cheaper than older homes. We always check the build year and roof age before we let you fall in love with a property.

Who Buys in Bay St. Louis

Bay St. Louis attracts retirees and remote workers drawn to the arts community, second-home buyers from New Orleans (just an hour west), and a growing population of younger professionals choosing the Bay over the busier eastern Coast cities. Knowing the buyer profile helps us position your home if you’re selling, or understand what competition you’ll face if you’re buying.

How We Work in Bay St. Louis

We’re a locally-owned brokerage — Real Estate Professionals of the South — not a national franchise running Bay St. Louis from a call center. Our agents live on the Coast, know Bay St. Louis street by street, and are accessible by call or text. Whether you’re a first-time buyer using a VA or USDA loan, a relocating family, a seller wanting accurate pricing, or an investor evaluating Bay St. Louis for rental yield, start with a no-pressure conversation. Use the contact form on this page or reach out directly.