February 19, 2026
Torn between beachfront buzz and suburban ease on the Mississippi Gulf Coast? If you’re choosing between Biloxi and D’Iberville, you’re weighing two great lifestyles that sit just across the Back Bay from each other. You want the right mix of home type, commute, amenities, and long‑term costs. In this guide, you’ll learn how the two cities differ on housing, price signals, daily access, and coastal risk so you can choose with confidence. Let’s dive in.
You’ll find a wide mix: beachfront condos and resort‑style units along Beach Boulevard, older coastal homes closer to the water, and pockets of denser downtown housing. Proximity to the waterfront and entertainment corridor tends to raise price per square foot. As of January 2026, Redfin reports a Biloxi median sale price around $270,000; always verify neighborhood‑level figures with current data before you decide. See the latest in the Biloxi housing market snapshot.
D’Iberville leans suburban with newer single‑family neighborhoods and some townhome/condo pockets near retail corridors. Many buyers target this side for new construction, lot size, and fast interstate access. Vendor snapshots show medians often in the mid‑$200ks, though it varies by ZIP and recent sales. Check current numbers on the D’Iberville housing market snapshot.
Tip on market data: National portals use different methods and dates. Treat any citywide median as directional and compare neighborhood‑level comps when you’re serious about a property.
If you work on the peninsula, living in Biloxi can shorten your drive. Keesler Air Force Base is right in town and anchors a major employment hub with casinos and hospitals nearby. Learn more about the base’s location and role at Keesler AFB.
D’Iberville sits at the junction of I‑10 and I‑110, which makes regional east‑west travel efficient. That convenience is a big plus if you commute toward Gulfport, Pascagoula, or even New Orleans. Get a feel for the city’s position on key corridors via this D’Iberville overview.
Both cities sit on the Mississippi Gulf Coast and face hurricane wind and storm‑surge risk. Before you write an offer, find the exact FEMA flood zone and the effective FIRM panel for the address. Start with the FEMA Flood Map Service Center. For broader climate and storm‑surge context, check the state summary from NOAA’s NCEI at the Mississippi climate chapter.
Standard homeowners insurance does not cover flood. Many coastal buyers carry separate NFIP or private flood policies. Wind and hail coverage can be separate as well, and the Mississippi Windstorm Underwriting Association may be relevant where private carriers are limited. Mitigation upgrades, including FORTIFIED standards, can influence premiums. Learn about coastal mitigation programs through the Insurance Institute for Business & Home Safety’s overview of coastal Mississippi homeowners protections.
Quick primer: flood vs. wind
- Flood insurance is separate from a standard policy. Verify the FEMA flood zone and ask for an elevation certificate if the home is in a Special Flood Hazard Area. Start at the FEMA MSC.
- Wind and hail coverage may come via private carriers or the state windpool. Ask insurers about mitigation credits for elevated or wind‑hardened construction. See IBHS guidance on mitigation and discounts.
Mississippi’s overall property‑tax burden is relatively low compared with many states. Your actual bill depends on parcel assessment and local millage. For an exact number, contact the Harrison County tax assessor with the specific address and homestead status.
Use this quick list for any Biloxi or D’Iberville home you’re considering:
When you’re ready to compare real listings, walk through options, and line up insurance and flood details, our local team can help you weigh the tradeoffs property by property. Connect with HL Raymond Properties, LLC to tailor your search to your goals and timeline.
At HL Raymond Properties, your goals are our priority. Whether buying or selling, we bring strategy, care, and professionalism to every step of the process.