ZIP 39531 Housing Market & Real Estate Update (Biloxi, MS) — February 22, 2026
39531 – February 22, 2026 – Biloxi-area snapshot: Redfin shows sold prices up YoY, days on market rising, and Freddie Mac rates eased to 6.01%.
This ServiceXTC update is dated February 22, 2026. ZIP 39531 (Biloxi, Harrison County, Mississippi) is showing a familiar early-2026 pattern: sold prices are higher than last year, but homes are taking longer to move, giving buyers more negotiating room than a ‘hot’ market.
Top takeaways
- Redfin’s January 2026 data shows median sold prices up year-over-year, while days on market jumped.
- Active listing counts on major portals still point to a buyer-leaning market with plenty to choose from.
- Mortgage rates eased again: Freddie Mac’s weekly 30-year fixed average was 6.01% (week ending Feb 19, 2026).
Market snapshot (last ~30 days of published data)
Sales (closed deals): Redfin’s ZIP-level tracker shows a January 2026 median sale price around $248K, with 46 homes sold and a median 72 days on market (slower than last year).
List-side reality check: On Realtor.com, the median listing price is roughly $309K with about 149 active listings and roughly ~100 days on market. That gap vs. Redfin’s sold-price median is a reminder that list prices and closed prices can diverge, especially when inventory is healthy.
Home values + inventory: Zillow’s Home Value Index for 39531 shows a typical home value around $197,630 (data through Jan 31, 2026) and an inventory reading around 118 homes for sale, with 20 new listings reported for that same date.
Rates & affordability
With the national 30-year fixed average back near 6%, monthly payments are still rate-sensitive, but the direction has been modestly helpful. If you’re shopping in 39531, it’s a good week to re-run your budget with a lender and compare scenarios (rate buydown vs. price negotiation vs. seller credits).
What’s for sale nearby (no addresses)
- Condos and smaller homes under $200K: Still showing up in portal searches, especially near the beach corridor.
- Move-in-ready 3-bed homes around the low-to-mid $300Ks: A common ‘middle’ of today’s inventory in this ZIP.
- Larger 4–5 bedroom homes $500K+: A noticeable share of current options, with a few listings pushing into luxury pricing.
ServiceXTC local pro corner
We checked for ServiceXTC directory providers clearly tied to Biloxi/39531 (inspection + pre-sale repair needs), but did not find ZIP-matched provider pages in today’s lookup. If you’re buying, line up an inspector early; if you’re selling, a pre-list roof/HVAC check can help avoid surprise negotiations.
Sources
- Redfin ZIP 39531 housing market tracker
- Realtor.com ZIP 39531 homes for sale + market overview
- Zillow ZIP 39531 Home Value Index page
- Freddie Mac PMMS weekly mortgage rates
What are you seeing right now in 39531: more price cuts, more cash buyers, or more homes sitting longer before they go pending?