Bay St. Louis is a Hancock County, MS city.
Bay St. Louis, Mississippi, in Hancock County: lease steps and landlord questions for pharmacies, hotels, salons and restaurants, with ZIP 39520 Census counts.
At a glance
- Small employers, ZIP 39520
57.8% of 346 employer establishments had fewer than five employees (ZBP 2023)
- Self-employed residents, Bay St. Louis, MS
11.9% of employed residents (ACS 2020-2024, margin of error 3.7 points)
How to lease commercial property in Bay St. Louis, MS for a pharmacy
A pharmacy leasing space in Bay St. Louis, MS can take the steps in this order:
- Check that the space can be used as a pharmacy and, if needed, a drive-through window, with the city before an offer.
- Price the movable prescription equipment, counters, shelving and dispensing hardware; fixed room wiring is excluded.
- Ask the landlord which of those costs it pays and which fall on the tenant.
- Negotiate a term and renewal options long enough to cover anything the pharmacy finances for the space.
- Have the lease, the itemized movable-equipment quote and the dispensing-hardware quote ready together, since a funding partner reads them as one request; fixed room work is excluded.
Leasing retail space in Bay St. Louis, MS for hotels
A hotel may lease retail space for something the property cannot fit inside, such as a gift and sundries shop or a coffee counter. The lease reads like any shop lease, but the hotel should check that the use is permitted, that signs can point guests from the property to the shop, and that the term does not run past the hotel's own franchise or management agreement.
Retail trade was the second-largest sector in ZIP 39520 by employer establishments in 2023, with 48 stores, 52.1% of them with fewer than five employees (ZIP Code Business Patterns).
Before signing a lease in Bay St. Louis, MS: landlord questions for salons
- Is a salon allowed in the space, and are shampoo bowls, extra water heating and ventilation for chemical services possible?
- Who pays to run plumbing to each station, and is there an improvement allowance?
- Can the salon sublease chairs or suites to independent stylists?
- How much can the rent and common area charges rise at renewal?
- Will the landlord sign a waiver for financed chairs, dryers and color equipment?
What Bay St. Louis, MS landlords require from full-service restaurants leasing a space
A Bay St. Louis, MS landlord leasing to a full-service restaurant generally asks for more than a shop tenant provides:
- Two or three years of business financial statements or tax returns, or a plan with projections for a new location.
- A personal guarantee from the owners, especially for a first location.
- A security deposit, sometimes several months of rent.
- Liability insurance naming the landlord, and proof of liquor liability coverage if alcohol is served.
- Drawings for the hood, grease interceptor and any change to the building, for the landlord's approval.
The same papers serve a funding partner later, so a restaurant that assembles them for the landlord has most of its request file ready.
ZIP 39520 in Hancock County, MS: lodging and food service lead its employer count
Nearly all of Bay St. Louis, MS (96.4% of its land) sits in ZIP 39520, yet the city makes up only 14.6% of that ZIP's land, so the counts below describe a much larger area. They are Hancock County, MS figures, not Harrison County ones.
| Sector (NAICS) | Employer establishments | Share with fewer than five employees |
|---|---|---|
| Accommodation and food services (72) | 65 | 33.8% |
| Retail trade, pharmacies included (44-45) | 48 | 52.1% |
| Health care and social assistance (62) | 39 | 43.6% |
| Professional, scientific and technical services (54) | 36 | 72.2% |
| Other services, salons included (81) | 30 | 73.3% |
| Finance and insurance (52) | 26 | 57.7% |
The ZIP held 346 employer establishments in all, with 3,909 paid employees and $178.6 million in annual payroll. The Gulf Coast communities page has notes on Waveland, MS and Kiln, MS, and the Gulfport, MS page has the county-wide figures for Harrison County.
Types of Firms a Partner May Review in and Around Bay St. Louis, MS
Partners can consider a Bay St. Louis, MS business from a broad mix of fields; examples include insurance agencies, restaurants, hotels and motels and gas stations and convenience stores. Whichever partner handles the request sets its own standards for each decision.
Files to Have on Hand for Businesses in Bay St. Louis, MS
- Statements from the account the business runs on, in their original form
- A copy of the newest filed business return (personal returns may be requested too)
- An income statement through last month and a balance sheet for the same period
- A state ID, driver's license or passport covering each person who owns a share
- A schedule of the business's existing debts with the monthly payment for each
- The vendor's quote for any equipment that states the model and price
Every partner sets its own document needs, so plan on these items at minimum.
How a Request Is Weighed for Owners Across Bay St. Louis, MS
- Phone the office at (228) 261-9976 or use the online form, which asks for contact details and three ranges.
- From there the request goes to partners for their own assessment.
- Each partner goes over the file; the decision is the partner's alone.
- Look at the cost and terms of any offer that arrives, and say yes only if it fits your plans.
Shops and firms in Bay St. Louis, MS can complete the request by phone or online.
By Eastcrest Financial ยท Updated
