By: Jaymi Naciri

6. Ocean Springs, MS

Big homes (“equipped with 6.4 rooms, the most in our top 10”), low prices, and a location that is beloved as a “hamlet on the Gulf (that) is a confluence of Southern charm, thriving new businesses, and a stellar arts scene,” said Coastal Living, make Ocean Springs an easy choice.

5. Bay St. Louis, MS

We’re back in Mississippi, but this time it's the charming town of Bay St. Louis, located 90 miles east of New Orleans. “Median housing costs here run just shy of $800 per month, or $9,300 per year. Property taxes here are also not too significant given the median property value in Bay St. Louis. The average property taxpayer pays $1,088 per year for an effective property tax rate of 1.64%.”

3. Biloxi, MS

“The average home in Biloxi costs just $800 per month, fifth lowest in our study. Along with low housing costs, property taxes should not stop the average American from buying a home here. Surveys conducted by the Census Bureau estimate the average annual cost of property taxes is slightly less than $1,100 per year, or less than $100 per month.”

1. Gulfport, MS

The most affordable beach town on SmartAsset’s nationwide list is the second-largest city in Mississippi and a favorite spot for vacationers as well as full-time residents. You can purchase a home for just over $118,000 and expect to pay a little more than $800 monthly. Expect a small-ish home if you’re looking to save money, though. “Relative to those in other cities we analyzed, Gulfport homes can be slightly small. The average home here has 6.1 rooms, the 89th most in the study.”


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