01 - Taxes
Retirement Tax Treatment
Mississippi does not tax Social Security benefits, which preserves a key income stream for retirees, though the state's 7% sales tax is worth factoring into living costs.
Source · Tax Foundation
8
7
Fact text
- The 1966 Hollywood film *This Property is Condemned*, starring Natalie Wood and Robert Redford, was filmed right here in Bay St. Louis.
- The replacement Bay St. Louis Bridge won America's Transportation Award and features a pedestrian art walk showcasing works by local artists.
- Former NFL lineman John Scafide went from blocking for the Boston Redskins to serving as Bay St. Louis mayor for 16 straight years.
- MLB pitcher Jacob Lindgren and NBA player Tolu Smith both hail from this small Gulf Coast city of fewer than 10,000 people.
Your
Bay St. Louis
Retirement Outlook — in 90 seconds
Hosted by Michael McMillan, President of Annuities.net
Every figure mentioned is drawn from the same sourced public data shown below — and the video updates as the data does.
13,539
+
Total Population
$
43,657
Median Income
$
200,700
Median Home
23
%
Age 65+
Retirement Suitability
How
Bay St. Louis
ranks for retirees?
31
/ 100
A blended, sourced view of how this city ranks for retirees across tax, affordability, healthcare, and climate.
Tax
8
Affordability
32
Healthcare
29
Climate
80
Results
Bay St. Louis
Suitability Breakdown
02 - Income
Annuity Rates Available Here
Fixed annuity rates reach up to
7
% on 5-year terms, with most landing between
5
% and
5
%.
Source · Cannex
32
03 - Healthcare
Hospital Access & Quality
The area has
1
Medicare-certified hospitals, averaging a
3
/5 CMS quality rating.
Source · CMS Hospital Compare
3
04 - Climate
Weather & Comfort
A
Mild
climate — summers peak near
89
°F, winters dip to about
42
°F, with roughly
″ of snow a year.
Source · NOAA Climate Normals
Mild
05 - Risk
Natural Disaster Risk
FEMA's overall natural-disaster risk rating for this county on the National Risk Index.
Source · FEMA National Risk Index
Relatively Moderate
Current Guaranteed Rates · Mississippi
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Frequently Asked Questions
Does Mississippi tax Social Security retirement income?
Mississippi does not tax Social Security benefits, which helps retirees in Bay St. Louis preserve more of that income each month. However, the state’s 7 percent sales tax can add up on everyday purchases, so it is worth factoring that into a retirement budget alongside any untaxed Social Security income.
What is healthcare access like for retirees in Bay St. Louis?
Bay St. Louis has one Medicare-certified hospital serving the area, which holds an average CMS quality rating of 3 out of 5 stars. That represents adequate access for routine needs, but retirees managing complex or chronic medical conditions may want to research additional facilities in surrounding areas before settling here.
How affordable is housing in Bay St. Louis for someone on a fixed retirement income?
The median home value in Bay St. Louis is $200,700, which is relatively modest compared to many coastal communities. That said, natural-disaster risk rated as Relatively Moderate by FEMA can influence homeowners insurance costs, something retirees on fixed incomes should research carefully before purchasing property here.
What is the natural disaster risk in Bay St. Louis and why does it matter for retirees?
How can a MYGA help protect my retirement income in Bay St. Louis?
Bay St. Louis carries a relatively moderate natural-disaster risk, meaning property and insurance costs can quietly erode a fixed retirement budget. A multi-year guaranteed annuity, or MYGA, locks in a set interest rate for a chosen term — often two to ten years — so your growth is contractually defined and unaffected by market swings. That predictability helps cover essential expenses alongside Mississippi’s untaxed Social Security income. Because guaranteed rates shift frequently, check our current annuity rates page for today’s figures.