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Ocean Springs, Mississippi Retirement Guide
Retirement Score
Ocean Springs, Mississippi at a Glance
- Median Home Price
- $213,400
- State Income Tax
- State income tax; Social Security and retirement income fully exempt.
- Avg January Low
- 45.1°F
- Cost of Living Index
- 87.3 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 74 / 100
Overview
Explore the key retirement factors for Ocean Springs, Mississippi, including cost of living, taxes, healthcare quality, and climate data.
Cost of Living
Affordability Metrics
Ocean Springs's cost of living is 12.700000000000003% below the national average. For a detailed breakdown of expenses, see our cost of living methodology.
Housing
Real Estate & Housing
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Ocean Springs using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$462
Stress-case monthly carrying cost
$519
Median home price used: $213,400
Median rent reference: $1,223 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.
Budget validation
Calculate if your savings last in this city
Use RetireFree to test whether your portfolio can support retirement in Ocean Springs, Mississippi after local housing costs, taxes, healthcare, inflation, and withdrawal timing.
Open the RetireFree Calculator →Healthcare
Access & Quality
Quality of care and specialist availability are critical for a successful retirement. Ocean Springs scores 100 out of 100 for healthcare access.
Care planning link
Find local assisted living in Ocean Springs
If your city research includes aging parents, future care needs, or a move closer to family, compare local care options alongside housing and healthcare access.
Assisted living in Ocean Springs →Taxes
State Tax Climate
Mississippi has a tax environment that is moderate for retirees.
Climate
Weather & Environment
With 314 sunny days a year and an average January low of 45.1°F, Ocean Springs offers a mild winter climate.
Safety & Walkability
Community Safety
Walkability
Demographics
Population Profile
Diversity Breakdown
Frequently asked questions about retiring in Ocean Springs
Is Ocean Springs, Mississippi a good place to retire?▾
Ocean Springs, Mississippi is one of the US retirement-friendly cities tracked by RetireCityIQ. Notable retirement-relevant traits include established retirement community. See the at-a-glance card on this page for the cost of living, state tax treatment, climate, and healthcare access metrics.
What is the cost of living in Ocean Springs, Mississippi for retirees?▾
The cost-of-living index is 87, roughly 13% below the national average of 100. Median home price is around $213,400.
Does Mississippi tax Social Security or retirement income?▾
For Mississippi residents: State income tax; Social Security and retirement income fully exempt.
What is the climate like in Ocean Springs, Mississippi?▾
Ocean Springs, Mississippi has January average low around 45°F, July average high around 89°F. Climate normals are based on 30-year averages from NOAA's National Centers for Environmental Information.
What is healthcare access like in Ocean Springs, Mississippi?▾
Ocean Springs scores 100/100 on the RetireCityIQ healthcare access index — a top-tier score. The index combines CMS hospital quality ratings, Medicare Advantage plan availability, and hospitals per 100,000 residents (KFF + CMS data).