In-depth analysis

Should you buy an STR in Biloxi in 2026?

Yes, with realistic insurance. Biloxi has the most underrated demand engine on the Gulf Coast — casino-driven mid-week occupancy that smooths out the leisure peaks. $175 ADR at 60% occupancy is solid, and the 73/100 market score reflects a genuinely accessible market where new entrants can still find footing. The catches: Hurricane Katrina rewrote the flood map, the windstorm insurance market is dominated by the Mississippi Wind Pool, and tourism upside is gated by casino industry health.

Regulation: where the city stands

City of Biloxi — STR allowed; registration and lodging tax remittance required. No density caps.
Harrison County (unincorporated) — permissive.
Mississippi Wind Pool (state-backed) — provides wind-only coverage in coastal counties when private market won’t bind.
Flood zones — post-Katrina FEMA updates put much of the south Biloxi waterfront in high-risk zones requiring flood insurance.

See the City of Biloxi STR ordinance and Harrison County tax collector page for current rules.

The market by the numbers

Metric	Biloxi	Notes
Avg ADR	$175	Mid-tier Gulf
Occupancy	60%	Casino smooths the curve
RevPAR	$105	Solid
Market score	73/100	Tier-B market
Saturation tier	B	Mid-density

Submarkets that matter

Beach Boulevard / Casino Row — premium ADR; flood-zone heavy.
Pointe Cadet / East Biloxi — historic, lower price point.
Downtown Biloxi / D’Iberville edge — quieter SFR.
West Biloxi / Edgewater — family leisure, lower insurance.

The 3 mistakes buyers make here

Underwriting like a normal coastal market. Biloxi is a casino-leisure hybrid. Mid-week occupancy is driven by gambling weekends; build the pro forma around that, not pure summer.
Skipping the FEMA flood map review. South Biloxi flood zones changed post-Katrina. Pull the elevation certificate.
Ignoring wind pool dependency. Many Biloxi properties cannot bind windstorm coverage in the private market and must use the MS Wind Pool. Get the quote real.

What to do next

Pull the FEMA elevation certificate and flood-zone designation before EMD goes hard.
Get a bound wind + flood + STR insurance quote (MS Wind Pool if needed) and use it in DSCR Loan Calculator.
Run Comp Analyzer within the same submarket.
Use Year 1 Cash Needs with realistic reserves.
Read Buying STRs in Hurricane-Prone Coastal Markets.

Not investment advice. Verify all regulatory, tax, and insurance information with local authorities and licensed professionals before committing capital.

Last reviewed 2026-05-07 · Estimated — community-sourced · Population 46,212