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US ZIP Code Profile

ZIP Code 39520
Bay Saint Louis, Mississippi

ZIP code 39520 is in Bay Saint Louis, located in Hancock County, Mississippi, within the Gulfport-Biloxi-Pascagoula metro area. Its 2020 Census population was 14,963. The estimated median adjusted gross income per tax return is $38,219, and about 5% of filers report $200,000 or more.

2020 Population
14,963
Census ZCTA
County
Hancock
FIPS 28045
Median income (est.)
$38,219
IRS SOI 2022
Land Area
92.774 mi²
+ 4.107 mi² water

01Location & Geography

Authoritative geographic identifiers from the U.S. Census Bureau, ANSI, and FIPS standards.

Primary CityBay Saint Louis, MS
CountyHancock County (FIPS 28045)
StateMississippi (FIPS 28)
Metro Area (MSA)Gulfport-Biloxi-Pascagoula, MS Metro Area (25060)
Census Region / DivisionSouth Region · East South Central Division
Coordinates30.268896, -89.48079
Land / Water Area92.774 mi² land · 4.107 mi² water

02Income & Economics

Distribution of the 5,570 individual tax returns filed in 39520 by adjusted gross income bracket (IRS SOI, 2022).

< $25K
36.8%
$25K–$50K
25.0%
$50K–$75K
12.9%
$75K–$100K
7.9%
$100K–$200K
12.2%
$200K+
5.2%
The $200,000+ bracket accounts for 31% of 39520's total adjusted gross income, from 5% of returns — a concentration that drives the gap between the median ($38,219) and the average.
Estimated median = median adjusted gross income per tax return, interpolated from IRS SOI brackets. Differs from U.S. Census household income.

03Income Over Time

Year-over-year change in 39520's IRS income metrics, 2020–2022.

Median income (2021→2022)
$38,219
▲ 14.2%
Filers earning $200K+
5.2%
▲ 1.1 pt
Total filers
5,570
▼ 0.9%
GET /zipc/v2/zipcodes/39520/soi?year=… $32K 2020 $33K 2021 $38K 2022
Median = adjusted gross income per return, interpolated from IRS SOI brackets. Figures are nominal (not inflation-adjusted).

04Population Trend

Decennial U.S. Census population for the 39520 ZCTA.

2000
17,277
 
2010
14,681
▼ -15.0%
2020
14,963
▲ +1.9%

05USPS Postal Details

Delivery and facility attributes from the monthly USPS dataset.

ZIP ClassificationNon-Unique Zip
Facility TypePost Office
Carrier Route SortD
USPS Finance Number270455
City AliasesBay Saint Louis, Bay St Louis, Bayside Park, Mississippi Test Facility, St Louis, Stennis Ctr, Stennis Space Center, Waveland

06Frequently Asked Questions

What county is ZIP code 39520 in?

ZIP code 39520 is in Hancock County, Mississippi (county FIPS code 28045).

What city is ZIP code 39520?

The primary USPS city for 39520 is Bay Saint Louis, MS.

What metro area (MSA) is 39520 in?

39520 is part of the Gulfport-Biloxi-Pascagoula, MS Metro Area (MSA code 25060).

What is the population of ZIP code 39520?

The 2020 Census population of 39520 was 14,963 residents.

What is the median income in ZIP code 39520?

Based on IRS Statistics of Income data, the estimated median adjusted gross income per tax return in 39520 is about $38,219, with around 5% of filers reporting $200,000 or more. Note that adjusted gross income is a tax measure and differs from U.S. Census household income.