Financing a Bay St. Louis Rental Without a Crystal Beach Mash

Jacob Mishalanie
2 days ago
10 min read

Lodging interior or exterior, Bay St. Louis stay 12

Most Bay St. Louis listings get marketed as a generic Gulf of Mexico stay. That pitch could describe a dozen other towns, and it wastes what actually sets City of Bay St. Louis, Hancock County, Mississippi apart. Guests who typed Bay St. Louis are looking for Old Town, the harbor, beachfront, the marina — not Vermilion, and not Crystal Beach. 340 active listings sit on this extract. Write the town you can actually walk. Keep the listing specific. A vague water caption loses the booking.

Typical listings here earned about $25,594 last year from 340 active rentals, AirROI trailing twelve months through July 2026. The average night was $279. Occupancy was 31.5 percent. Revenue per available night was $92. Year over year is minus 4.5 percent. Active supply moved 0.0 percent. Do not average in Vermilion at $29,012 on 78 listings. That is a different town. Leave Crystal Beach as a different market. Do not mix those towns. Treat this as a small sample, not a blended coast.

The three strongest months are June, October, and May. June is the busiest. January is the slowest. Most guests arrive from New Orleans, then Baton Rouge. Typical stay is 3.8 nights, booked about 60 days ahead. Call Planning at 228-466-5516. City short-term rental permit. Published as a $100 form. Confirm the live fee at hall. AirROI Low is a scrape Heirloom holds still show up in this sample. Confirm the live desk before you advertise. A regulation scrape is not a permit.

DSCR on Bay St. Louis Twenty-Five Thousand

That heading is the useful way to read Bay St. Louis, not a dashboard label. Guests come for Old Town. Say that in the listing. Do not bury it under a generic Gulf of Mexico caption. Do not write Vermilion copy onto a Bay St. Louis address. Do not use Crystal Beach as if it were this occupancy. Be specific about the walk. A vague caption loses the guest who typed this town. Keep the other town out of the title.

Read more in Who Books a Bay St. Louis Rental and Buying a Bay St. Louis Rental. Typical listings earned about $25,594 last year from 340 active rentals, at $279 a night and 31.5 percent occupancy. June is the busiest month. January is the slowest. Most guests arrive from New Orleans. Call Planning at 228-466-5516. City short-term rental permit. Published as a $100 form. Confirm the live fee at hall. AirROI Low is a scrape

Year over year is minus 4.5 percent. Supply moved 0.0 percent. Keep Crystal Beach ($44,416 a year) on its own line. A 28.8-percent share of listings uses a 30-night minimum. That is a stay rule, not occupancy. Photograph Old Town. Confirm the parcel before you advertise. Sales tax can still apply under 30 days. Call the desk. Do not underwrite another town's year.

Do Not Mint a Crystal Beach Year for the Note

That heading is the useful way to read Bay St. Louis, not a dashboard label. Guests come for the harbor. Say that in the listing. Do not bury it under a generic Gulf of Mexico caption. Do not write Vermilion copy onto a Bay St. Louis address. Do not use Crystal Beach as if it were this occupancy. Be specific about the walk. A vague caption loses the guest who typed this town. Keep the other town out of the title.

Read more in Buying a Bay St. Louis Rental and Bay St. Louis Tourism Data. Typical listings earned about $25,594 last year from 340 active rentals, at $279 a night and 31.5 percent occupancy. June is the busiest month. January is the slowest. Most guests arrive from New Orleans. Call Planning at 228-466-5516. City short-term rental permit. Published as a $100 form. Confirm the live fee at hall. AirROI Low is a scrape

Year over year is minus 4.5 percent. Supply moved 0.0 percent. Keep Crystal Beach ($44,416 a year) on its own line. A 28.8-percent share of listings uses a 30-night minimum. That is a stay rule, not occupancy. Photograph the harbor. Confirm the parcel before you advertise. Sales tax can still apply under 30 days. Call the desk. Do not underwrite another town's year.

City Desks Travel With the Deed

That heading is the useful way to read Bay St. Louis, not a dashboard label. Guests come for beachfront. Say that in the listing. Do not bury it under a generic Gulf of Mexico caption. Do not write Vermilion copy onto a Bay St. Louis address. Do not use Crystal Beach as if it were this occupancy. Be specific about the walk. A vague caption loses the guest who typed this town. Keep the other town out of the title.

Read more in Bay St. Louis Tourism Data and Complete Visitor's Guide to Bay St. Louis and Old Town. Typical listings earned about $25,594 last year from 340 active rentals, at $279 a night and 31.5 percent occupancy. June is the busiest month. January is the slowest. Most guests arrive from New Orleans. Call Planning at 228-466-5516. City short-term rental permit. Published as a $100 form. Confirm the live fee at hall. AirROI Low is a scrape

Year over year is minus 4.5 percent. Supply moved 0.0 percent. Keep Crystal Beach ($44,416 a year) on its own line. A 28.8-percent share of listings uses a 30-night minimum. That is a stay rule, not occupancy. Photograph beachfront. Confirm the parcel before you advertise. Sales tax can still apply under 30 days. Call the desk. Do not underwrite another town's year.

340 Cards Is Part of the File

That heading is the useful way to read Bay St. Louis, not a dashboard label. Guests come for the marina. Say that in the listing. Do not bury it under a generic Gulf of Mexico caption. Do not write Vermilion copy onto a Bay St. Louis address. Do not use Crystal Beach as if it were this occupancy. Be specific about the walk. A vague caption loses the guest who typed this town. Keep the other town out of the title.

Read more in Complete Visitor's Guide to Bay St. Louis and Old Town and Bay St. Louis STR Report 2026. Typical listings earned about $25,594 last year from 340 active rentals, at $279 a night and 31.5 percent occupancy. June is the busiest month. January is the slowest. Most guests arrive from New Orleans. Call Planning at 228-466-5516. City short-term rental permit. Published as a $100 form. Confirm the live fee at hall. AirROI Low is a scrape

Year over year is minus 4.5 percent. Supply moved 0.0 percent. Keep Crystal Beach ($44,416 a year) on its own line. A 28.8-percent share of listings uses a 30-night minimum. That is a stay rule, not occupancy. Photograph the marina. Confirm the parcel before you advertise. Sales tax can still apply under 30 days. Call the desk. Do not underwrite another town's year.

Visitor Spend Is Not Debt Service

Read more in Bay St. Louis STR Report 2026 and Market a Bay St. Louis Stay. Typical listings earned about $25,594 last year from 340 active rentals, at $279 a night and 31.5 percent occupancy. June is the busiest month. January is the slowest. Most guests arrive from New Orleans. Call Planning at 228-466-5516. City short-term rental permit. Published as a $100 form. Confirm the live fee at hall. AirROI Low is a scrape

Do Not Steal Thirty-Plus as Occupancy

Read more in Market a Bay St. Louis Stay and Bay St. Louis STR Rules. Typical listings earned about $25,594 last year from 340 active rentals, at $279 a night and 31.5 percent occupancy. June is the busiest month. January is the slowest. Most guests arrive from New Orleans. Call Planning at 228-466-5516. City short-term rental permit. Published as a $100 form. Confirm the live fee at hall. AirROI Low is a scrape

Year over year is minus 4.5 percent. Supply moved 0.0 percent. Keep Crystal Beach ($44,416 a year) on its own line. A 28.8-percent share of listings uses a 30-night minimum. That is a stay rule, not occupancy. Photograph the harbor. Confirm the parcel before you advertise. Sales tax can still apply under 30 days. Call the desk. Do not underwrite another town's year.

Mississippi DSCR Facts Only

Read more in Bay St. Louis STR Rules and Bay St. Louis Shoulder. Typical listings earned about $25,594 last year from 340 active rentals, at $279 a night and 31.5 percent occupancy. June is the busiest month. January is the slowest. Most guests arrive from New Orleans. Call Planning at 228-466-5516. City short-term rental permit. Published as a $100 form. Confirm the live fee at hall. AirROI Low is a scrape

Year over year is minus 4.5 percent. Supply moved 0.0 percent. Keep Crystal Beach ($44,416 a year) on its own line. A 28.8-percent share of listings uses a 30-night minimum. That is a stay rule, not occupancy. Photograph beachfront. Confirm the parcel before you advertise. Sales tax can still apply under 30 days. Call the desk. Do not underwrite another town's year.

What a Lender Packet Should Carry

Read more in Bay St. Louis Shoulder and Bay St. Louis Remote Stays. Typical listings earned about $25,594 last year from 340 active rentals, at $279 a night and 31.5 percent occupancy. June is the busiest month. January is the slowest. Most guests arrive from New Orleans. Call Planning at 228-466-5516. City short-term rental permit. Published as a $100 form. Confirm the live fee at hall. AirROI Low is a scrape

Year over year is minus 4.5 percent. Supply moved 0.0 percent. Keep Crystal Beach ($44,416 a year) on its own line. A 28.8-percent share of listings uses a 30-night minimum. That is a stay rule, not occupancy. Photograph the marina. Confirm the parcel before you advertise. Sales tax can still apply under 30 days. Call the desk. Do not underwrite another town's year.

Frequently Asked Questions

What is a typical Bay St. Louis STR year on this data set?

AirROI's trailing twelve months through July 2026 show about $25,594 in revenue across 340 active Bay St. Louis listings, updated August 2026. The average night was $279, with occupancy at 31.5 percent and revenue per available night around $92. Revenue moved down about 4.5 percent year over year, while active supply held essentially flat.

Can Vermilion or Crystal Beach revenue figures be averaged into Bay St. Louis's year?

No. Vermilion's listings reported about $29,012 across 78 properties, and Crystal Beach's reported about $44,416 across 131 properties — both separate markets with their own demand patterns. Blending those numbers into Bay St. Louis's $25,594 average would misrepresent what a host here can expect. Keep each town's figures on its own line.

Which months are strongest for Bay St. Louis bookings?

June, October, and May are the three strongest months, with June the busiest of the year. January is the slowest. With occupancy at 31.5 percent for the full year, shoulder-season marketing carries real weight for hosts trying to close the gap.

Where do most Bay St. Louis guests come from, and how far ahead do they book?

New Orleans is the top origin market, followed by Baton Rouge. The typical stay runs 3.8 nights, booked roughly 60 days in advance. About 62.4 percent of active hosts hold Superhost status.

Does AirROI's "low-regulation" label mean Bay St. Louis has no local permit rule?

No — that label reflects a data scrape, not a legal review. The city requires a short-term rental permit, published as a $100 form. Contact Planning at 228-466-5516 to confirm the current fee and requirements before advertising.

Is a 30-night minimum-stay rule the same thing as occupancy?

No. About 28.8 percent of active Bay St. Louis listings (98 of 340) use a 30-night minimum-stay requirement — that's a booking policy, not a measure of how full a calendar runs. The typical stay length here is 3.8 nights, and the two figures shouldn't be conflated when reading a listing's performance.

What should a buyer or lender packet cite for Bay St. Louis?

Cite the $25,594 revenue figure from 340 listings, the June-October-May peak months, January as the slow month, New Orleans as the lead origin market, the 3.8-night average stay, and the roughly 60-day booking lead time. Confirm the current permit fee directly with Planning at 228-466-5516 rather than relying on a third-party label, and keep Vermilion's and Crystal Beach's figures out of a Bay St. Louis-specific packet.

Is Crystal Beach the same market as Bay St. Louis?

No. Crystal Beach is a separate market with its own AirROI figures — about $44,416 across 131 listings — and its own demand pattern. Bay St. Louis's number is $25,594 across 340 listings, with January as its slowest month. Confirm any regulatory or revenue claim with the town it actually describes before including it in Bay St. Louis marketing material.

Work with Crest & Cove Creative

Bay St. Louis listings often get priced off a blended Gulf Coast average that folds in Vermilion and Crystal Beach — two markets with very different revenue and demand patterns.

Want your Bay St. Louis listing marketed against the city's actual $25,594 revenue benchmark instead of a regional blend?

Reach out at crestcove.co or (256) 998-7502.