Bay Saint Louis Homes under $400,000

Welcome to Bay Saint Louis, a hidden gem nestled along the picturesque Gulf Coast of Mississippi. Known for its charming coastal vibe, this vibrant city offers a unique blend of southern hospitality, stunning natural beauty, and rich history. With its quaint downtown area filled with local shops, art galleries, and delightful eateries, Bay Saint Louis invites you to explore its lively community spirit.

One of the most appealing aspects of Bay Saint Louis is its diverse real estate market, particularly for those seeking homes under $400,000. Whether you’re looking for a cozy cottage just steps from the beach or a modern family home with ample space, you’ll find a variety of options that cater to different lifestyles and preferences. Many properties boast stunning views of the Gulf, lush gardens, and easy access to outdoor activities like fishing, boating, and hiking.

Living in Bay Saint Louis means embracing a relaxed coastal lifestyle while still being close to urban conveniences. The city is known for its friendly residents and annual events, including festivals that celebrate local culture and heritage. With its beautiful beaches, historic architecture, and vibrant arts scene, Bay Saint Louis is more than just a place to live; it’s a community that offers a fulfilling lifestyle.

If you’re in the market for a home that combines affordability with charm, Bay Saint Louis is the perfect destination. Discover your dream home in this enchanting coastal city and experience all that it has to offer!

Newest Bay Saint Louis Homes under $400,000

$360,000

3 Beds ⋅ 2 Baths ⋅ 4165658 MLS

Classic coastal charm meets thoughtfully updated interiors at this three-bedroom, two-bath Bay St. Louis cottage. A gracious covered front porch with columns and ceiling fans spans the front of the property, and offers a welcoming spot for morning coffee or an evening gathering. Updated throughout, the home features bright, connected living and dining spaces accented by paneled ceilings, beautiful trim, and abundant windows. The kitchen pairs white cabinetry with stainless steel appliances and a striking waterfall countertop at the breakfast bar, creating an inviting space for cooking and conversation. Both bathrooms carry the coastal palette beautifully, featuring tiled tub surrounds, updated vanities, and warm accents. A separate laundry room provides cabinetry and counter space, while the spacious lawn and mature landscaping complement the cottage's relaxed appeal. Make this coastal cottage your everyday escape or weekend retreat, with the beach just five minutes away by golf cart and Old Town's restaurants and shops only seven. Currently operating as an Airbnb, the property offers flexibility as a primary residence, second home, or vacation rental with current bookings and great reviews! Sold fully furnished including bikes! (Golf cart negotiable)

905 Old Spanish Trail, Bay Saint Louis

Listing courtesy of Christine Westenberger, Broker.

$149,900

1 Beds ⋅ 1 Baths ⋅ 4165503 MLS

Enjoy coastal living in this first-floor unit at Chateau St. Louis. Ideally located within walking distance of the beach, with Old Town Bay St. Louis just a short golf cart or bike ride away. Spend your mornings by the water, your afternoons exploring the Arts District and Historic Depot District, and your evenings at local restaurants or a show at the Little Theatre. Freshly painted walls and ceilings leave the unit clean, bright, and ready for your personal touch. A designated parking space sits just outside your door, plus guest parking for visitors. The HOA covers water, sewer, garbage, exterior building maintenance and insurance, landscaping, common area electricity, keyed mailboxes, and a community storage area for bikes and more, and the building is protected by a sprinkler fire system throughout. Shared coin-operated laundry facilities are located on site. With Amtrak nearby and an easy drive to New Orleans and Gulfport-Biloxi, everything the Coast offers is within reach. Schedule your showing today!

515 Third Street 5a, Bay Saint Louis

Listing courtesy of Coldwell Banker Alfonso Realty-BSL.

$139,500

3 Beds ⋅ 2 Baths ⋅ 4165386 MLS

This is a great 3 bedroom and 2 bathroom house that is on a corner lot and close to Hwy 90. It has an open floor plan, large living room with double tray ceilings, separate master bedroom with spacious bath. One side of garage as a room that has been added that is heated and cooled. It is not included in the square footage and can be converted back into a 2 car garage. It is a potential short sale so please allow extra time for offer review.

6004 E Jackson Street, Bay Saint Louis

Listing courtesy of The Demoran Realty Group.

$399,999

3 Beds ⋅ 2 Baths ⋅ 4165186 MLS

WATERFRONT LIVING IN BAY ST. LOUIS FOR UNDER $400,000! Discover the perfect combination of modern comfort and laid-back coastal living in this beautifully constructed, elevated 3-bedroom, 2-bath waterfront home! Designed to capture the beauty of its waterfront setting, this home features soaring 10-foot ceilings, an inviting open floor plan, and a spacious kitchen complete with granite countertops, stainless steel appliances, abundant cabinetry, and an impressive 9-foot breakfast bar that's perfect for entertaining family and friends. One of the home's most appealing features is its TWO covered porches, offering wonderful spaces to relax and enjoy the coastal breezes. The living room and kitchen overlook the water, with access to a spacious 12-foot covered waterfront porch, perfect for sipping your morning coffee, watching the boats pass by, or simply unwinding after a long day. The primary bedroom and an additional bedroom each offer access to a separate 6-foot covered porch, creating another peaceful outdoor retreat. The primary suite features an elegant tray ceiling and beautifully tiled shower, while the guest bathroom includes a spacious tub with tiled surround. A generously sized utility room provides convenient full-size washer and dryer hookups. Outside, enjoy your own waterfront frontage with an existing BULKHEAD and convenient boating access to Bayou Lacroix and the Jourdan River. Old Town Bay St. Louis is approximately a 15-minute boat ride away, depending on boating conditions. Whether you're searching for a full-time residence, a weekend getaway, or your own waterfront retreat, this home offers the opportunity to embrace everything that makes the Mississippi Gulf Coast lifestyle so special. Beautiful waterfront views, inviting outdoor living spaces, and modern coastal comfort—all at $399,999! Schedule your private showing today and start living the waterfront lifestyle you've been dreaming of!

5005 Nebraska Street, Bay Saint Louis

Listing courtesy of Allied Realty Coastal Homes.

$399,000

3 Beds ⋅ 2 Baths ⋅ 4165061 MLS

Brand-new construction and ready for its first owners! This beautifully designed 3-bedroom, 2-bath home offers the modern conveniences today's buyers are searching for, paired with a spacious and functional floor plan. Step inside to an inviting open-concept kitchen and living area, where a built-in electric fireplace creates a beautiful focal point and adds warmth and character to the space. The kitchen is designed for both everyday living and entertaining, featuring a large center island, quartz countertops, stainless steel appliances, and plenty of room to gather with family and friends. One of the home's most convenient features is the spacious mudroom and laundry room located just off the garage, providing the perfect drop zone for shoes, bags, beach gear, and everyday essentials. The desirable split-bedroom floor plan offers added privacy, with the primary suite tucked away on the opposite side of the home. The primary bath features double vanities, a separate soaking tub, walk-in shower, and a large walk-in closet—all the space and modern conveniences buyers are looking for. Located in an X Flood Zone and just a short drive or golf cart ride from the shopping, dining, entertainment, beaches, and coastal charm that Bay St. Louis has to offer. Make your appointment today and come see everything this beautiful new home has to offer!

420 Gladstone Street, Bay Saint Louis

Listing courtesy of John McDonald Realty, LLC.

$215,000

2 Beds ⋅ 2 Baths ⋅ 4164820 MLS

Charming Home Near Downtown Bay St. Louis! Whether you're looking for an investment property, a second home, or a comfortable starter home, this 2-bedroom, 2-bath home offers an excellent opportunity in the heart of Bay St. Louis. Conveniently located just minutes from downtown, you'll enjoy easy access to local restaurants, shopping, entertainment, and all that this charming coastal community has to offer. The home features a functional layout with two bedrooms and two full bathrooms, making it ideal for a variety of buyers. A NEW ROOF adds valuable peace of mind and makes this property an even more attractive opportunity. All offers are subject to and must be approved by court order of the Chancery Court of Hancock County Mississippi. Agent is a part owner.

660 Keller Street, Bay Saint Louis

Listing courtesy of Owen & Co., LLC.

$230,000

4 Beds ⋅ 2 Baths ⋅ 4164738 MLS

LOCATION! LOCATION! less than 2 miles to the beach and Old Town Bay St Louis best dining and entertainment! These 4 bedrooms 2 baths all brick gem offers the perfect blend of coastal proximity and suburban space. Highlights include a NEW HAVC, no flood insurance requirement, and spacious lot with large front and back yards. Includes a covered carport with a storage room.

530 Easterbrook Street, Bay Saint Louis

Listing courtesy of Sunset Mississippi Realty, LLC.

$200,000

2 Beds ⋅ 1 Baths ⋅ 4164658 MLS

Enjoy waterfront living in Bay St. Louis! This charming 2-bedroom, 1-bath home has been renovated inside and out and comes fully furnished. Updates include Hardy board exterior siding, all-new windows and flooring, new wall insulation, and new sheetrock throughout the interior. Deep-water access to the Jourdan River via Breath Bayou offers opportunities for boating, fishing, and water sports along the Mississippi Gulf Coast. Whether you're seeking a weekend getaway, full-time residence, or investment property, this coastal retreat is ready for its next owner. Come enjoy your own piece of Coastal Mississippi paradise!

4099 Shark Street, Bay Saint Louis

Listing courtesy of Realty One Group Immobilia.

$369,500

3 Beds ⋅ 3 Baths ⋅ 4164125 MLS

Located in the established Hancock Heights neighborhood of Bay St. Louis, Mississippi, this thoughtfully designed 3-bedroom, 2.5-bath home offers generous living space, quality finishes, and a layout that simply makes everyday life easier. A covered front patio creates a welcoming first impression, while French doors open into a spacious foyer that leads directly into the heart of the home. The open living, dining, and kitchen area feels bright and connected, highlighted by tray ceilings, a fireplace, and ceramic tile flooring throughout for a clean, cohesive look. The kitchen is designed with both style and function in mind. A large granite island provides the ideal gathering spot for morning coffee, casual meals, or serving guests. Stainless steel appliances, abundant cabinetry, and expansive counter space make everything from weeknight dinners to holiday cooking more convenient. Privately situated, the primary suite offers plenty of room to relax without feeling oversized. The walk-in closet with built-in shelving provides exceptional storage, while the ensuite bath features a jetted soaking tub, separate walk-in shower, and double the comfort after a long day. Outside, you'll find even more usable living space with a screened back patio overlooking a fully fenced backyard that's ready for backyard cookouts, pets, gardening, or simply enjoying a quiet evening outdoors. A storage shed adds extra room for tools and equipment, while the attached two-car garage offers everyday convenience. The roof was replaced just six years ago, giving the next owner one less major project to think about. Hancock Heights is conveniently located just minutes from Old Town Bay St. Louis, where locally owned restaurants, boutiques, art galleries, the harbor, and waterfront entertainment have made the area one of the Mississippi Gulf Coast's most sought-after destinations. Whether you're commuting, spending a day on the water, or enjoying one of Bay St. Louis' many festivals, you'll appreciate having it all just a short drive away.

246 Pine Driveway, Bay Saint Louis

Listing courtesy of John McDonald Realty, LLC.

$199,900

3 Beds ⋅ 2 Baths ⋅ 4163716 MLS

Charming 3-Bedroom Home - Centrally Located Near River, Beach & Casinos Welcome to this beautifully renovated 1,600 sq. ft. home nestled under gorgeous oak trees on a quiet street. With a new roof and fresh updates throughout, this property is move-in ready and full of charm. Features Include: 3 spacious bedrooms 1 full bathroom + 1 half bathroom Open living spaces with plenty of natural light Newly renovated interior with modern touches Gorgeous oaks providing shade and character Plenty of space underneath the home for entertaining, cookouts, or relaxing outdoors Location Highlights: Near the river and beaches for fishing, boating, and coastal fun Just minutes from casinos, dining, and entertainment Centrally located yet tucked away on a quiet street This versatile property is perfect as a starter home, Air-bnb investment, or vacation retreat. Don't miss your chance to own this gem!

5142 1st Avenue, Bay Saint Louis

Listing courtesy of Ashman-Mollere Realty, Inc..

$80,000

5 Beds ⋅ 3 Baths ⋅ 4163472 MLS

Rare opportunity to acquire a spacious 5-bedroom, 3-bath home in Bay St. Louis this two-story property provides an exceptional amount of space and multiple investment possibilities. The large bedroom count and layout could make it an excellent renovation and resale project, long-term rental, workforce housing property, or spacious primary residence. The home is currently owner-occupied and livable but needs substantial repairs and updating, including a new roof, termite-related repairs and areas of water damage. Termite treatment has already been completed. The home does not have central HVAC and is currently cooled with window A/C units. Features include generous living areas, a large kitchen and dining space, three bathrooms, a spacious primary suite and a fenced yard. Conveniently located near Highway 90 and Interstate 10, providing access to shopping, dining, major employment centers, Stennis Space Center, Hollywood Casino, Old Town Bay St. Louis, the municipal harbor and Gulf Coast beaches. reflect its current condition and allow room for improvements. Property is being sold strictly as-is.

6186 E Lamar Street, Bay Saint Louis

Listing courtesy of Listwithfreedom.Com.

$390,000

3 Beds ⋅ 2 Baths ⋅ 4163451 MLS

Boat days, golf-cart nights, and your own private coastal escape! This tucked-away retreat sits on a dead-end street along a deep-water canal with access to the Jourdan River and the Bay, putting boating, fishing and Gulf Coast fun right outside your door. Cruise by golf cart to downtown Bay St. Louis for restaurants, shopping, entertainment and the waterfront, then come home and unwind. Downstairs, a private hot tub is a popular feature for short-term rental guests, creating the perfect spot to relax after a day on the water. A cargo lift makes hauling heavier items a breeze, whether you're loading luggage, supplies or all your weekend-on-the-water gear. Already operating as an active short-term rental, this property offers a turnkey opportunity for an investor or buyer looking for a coastal getaway with an established rental history. STR income information available upon request. Deep-water access + hot tub + golf-cart convenience + cargo lift + established STR make this a fun and flexible Bay St. Louis property. Buyer to verify all information, including STR regulations, permitted uses, waterfront access, restrictions and rental requirements.

43 Fiber Street, Bay Saint Louis

Listing courtesy of Trelora Realty, Inc.

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