Local
Learn about the people, housing, costs and businesses in Bay Springs, Mississippi
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Bay Springs.
True all-in cost — P&I, taxes, insurance & utilities for homes in Bay Springs.
Find and compare lenders active near Bay Springs.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Bay Springs.
Seismic risk and earthquake insurance estimates for Bay Springs.
Wildfire exposure and insurance estimates for Bay Springs.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Bay Springs is approximately 6.962% (7.000% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Bay SpringsThe median home value in Bay Springs is $149k. The median monthly rent is $321. Annual property taxes average $882. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Bay Springs have increased 25.7% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $503/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $22k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Bay Springs is $50k/year.
Calculate your buying powerThe largest employment sectors in Bay Springs are public administration (19%) and retail (18%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.