Hancock County, Mississippi requires building permits for residential and commercial construction, and Planning & Zoning administers the county's building codes and zoning12. Septic permits and site evaluations go through the Mississippi State Department of Health34. Owner-builders may do electrical, plumbing or mechanical work on a primary residence, but they must obtain the individual county permits5.
At a glance
- Building permit
- Required, issued by Planning & Zoning under the 2018 IBC/IRC1
- Zoning
- Yes; Hancock County Planning & Zoning administers county zoning, while municipalities may have separate authority2
- Septic permits
- State-run: MSDH Division of On-Site Wastewater, South Region, not a county office6
- Owner-builder
- May perform electrical, plumbing or mechanical work on a primary residence, but individual permits are still required5
- Mobile home permit
- $101, requires at least a wind zone 2 rating7
- Building permit fee
- No fee for a project valued $1,000 or less unless an inspection is needed ($15 each); tiered fees above that8
- Floodplain permit fee
- $50, in addition to any other required permits8
- Septic soil difficulty
- Only 3.7% of county soils are free of severe limits for a conventional drain field9
Who to call
Building permits
Hancock County Planning & Zoning (Building Official)
Building, electrical, plumbing, heating and mobile-home permits, plan review, inspections, subdivision review and zoning administration for unincorporated Hancock County
854 Highway 90, Suite A, Bay St. Louis, MS 39520
Building permits
Hancock County Permit Fee Schedule
The county's adopted schedule of building-permit, plan-review, change-of-occupancy and floodplain-permit fees
Building permits
Hancock County Building & Zoning — mobile home permit checklist
Lists the required documents, wind-zone requirement, and fee for a Hancock County mobile-home placement permit
854 Highway 90 Suite A, Bay St. Louis, MS 39520
Septic permits
Onsite wastewater (septic) permits, soil/site evaluations and inspections for Hancock County, part of MSDH's South Region
570 East Woodrow Wilson Drive, Jackson, MS 39216
Zoning
Hancock County Zoning Ordinance
The county's adopted zoning ordinance, establishing its district classifications
Zoning
Hancock County Recreational Vehicle Park Ordinance
Zoning and standards for licensed recreational-vehicle parks in Hancock County, adopted 2017
Contact details are copied from each office’s official page and were checked against it on September 28, 2026.
Do you need a building permit in Hancock County, Mississippi?
Yes. Hancock County Planning & Zoning issues building permits, including heating, plumbing, electrical and mobile-home permits, for residential and commercial projects, and the county follows the 2018 International Building/Residential Codes110. Fees scale with project value: a project valued at $1,000 or less pays no permit fee unless an inspection is required, in which case each inspection costs $15; larger projects use the county's tiered schedule8. Starting work before obtaining a required permit doubles the applicable fee and does not excuse compliance with the code8. A homeowner building a single-family primary residence may perform electrical, plumbing or mechanical work, but the homeowner must obtain the individual permits; Hancock County charges no fees for those homeowner-performed trade permits5. The county material we could confirm does not state the inspection schedule, so ask Planning & Zoning what inspections to book before work is covered11.
Who is the Hancock County building department, and how do you reach them?
Hancock County Planning & Zoning is the office for building, electrical, plumbing, heating and mobile-home permits, plan review and zoning, at 854 Highway 90, Suite A, Bay Saint Louis, MS 39520, phone 228-467-415711. A residential permit application requires the applicable forms and supporting information; the county checklist calls for a tax parcel number, a 911 address, a perk test or utility will-serve letter, a recorded deed, a completed application, two sets of house plans, a plot plan and an elevation certificate when the site is in a Special Flood Hazard Area12. A mobile-home application also needs proof of at least a wind zone 2 rating, and the permit costs $101 before placement7. A change of occupancy costs $50, and starting permitted work early doubles the applicable permit fee8.
Does Hancock County have zoning?
Yes. Hancock County Planning & Zoning regulates buildings and land uses throughout the county, and zoning applications go to the Planning Commission213. Incorporated municipalities may exercise separate local authority, so confirm which jurisdiction controls the parcel before relying on county requirements2. The county ordinance includes agricultural, single-family, medium-density, multifamily, commercial and industrial districts14. We could not confirm the minimum lot size, setbacks, lot coverage, building height or minimum dwelling size for each district from the available county material; ask Planning & Zoning for the standards tied to the parcel's zoning classification11. The same caution applies to accessory dwellings and agricultural structures because we could not confirm a countywide exemption for either use11.
How do septic permits work in Hancock County?
The Mississippi State Department of Health regulates septic tanks and onsite wastewater systems in Hancock County, which is in MSDH's South Region315. The permit is required both to install an onsite wastewater disposal system and to obtain a water meter4. Contact MSDH for the soil and site evaluation, permit recommendation and inspection through the wastewater call center at 1-855-220-019215. Only 3.7% of Hancock County soils are rated without severe limits for a conventional septic drain field, so obtain the site evaluation before choosing a house location or committing to a parcel9. New residential construction must connect when community water or sewer is available and provide the county a utility letter or receipt confirming service16. Before final power approval, the county checklist requires final wastewater approval, plus a final elevation certificate when the site is in a flood zone12.
Can you live in an RV or tiny home on your land in Hancock County?
We could not confirm a Hancock County rule that permits or prohibits living in an RV on an ordinary residential or agricultural parcel outside a licensed RV park, so ask Planning & Zoning before buying land for that use11. We also could not confirm a county rule specific to tiny-home occupancy or a countywide minimum dwelling size; Planning & Zoning should identify the parcel's district and the dwelling standards that apply there211. A manufactured or mobile home does have a defined county permit path: the permit costs $101 and requires a parcel number, 911 address, recorded deed, perk test or utility will-serve letter, application, plot plan and proof of a wind zone 2 or greater rating7. A mobile home in a flood zone also requires an elevation certificate and foundation plan before the permit is issued7.
Building a home in Hancock County: the steps, in order
- Ask Hancock County Planning & Zoning to confirm the parcel's zoning district, allowed use and dimensional standards before design begins211.
- Obtain the tax parcel number, 911 address and recorded deed required by the residential checklist12.
- Get an MSDH perk test and onsite-wastewater approval, or obtain a will-serve letter where community water or sewer is available1216.
- Prepare the completed building application, two sets of house plans and a plot plan; add an elevation certificate if the site is in a Special Flood Hazard Area1217.
- Submit the building-permit package to Planning & Zoning and pay the valuation-based fee before work starts188.
- Before final power approval, establish the power account and obtain final wastewater approval plus a final elevation certificate when the property is in a flood zone12.
What to check before you buy land in Hancock County
Only 3.7% of Hancock County soils are rated without severe limitations for a conventional septic drain field, so get the MSDH site evaluation before committing to a house location9. Annual precipitation is about 64.8 inches, and severe drought occurs in about 5.8% of years1920. The county is flat and wooded: 100% of land is at a slope of 15% or less, and 72.2% is wooded2122. Confirm the zoning jurisdiction and district, legal access, utility availability and flood status before closing; residential construction in a Special Flood Hazard Area requires an elevation certificate21617. A driveway connecting to a Mississippi state highway requires a state permit when it is new or altered23. Typical home insurance costs about $2,964 a year, while the effective property-tax rate is about 0.7% and the median annual property-tax bill is about $1,485242526.
Watch-outs
- We could not confirm Hancock County's parcel-specific setbacks, minimum lot size or minimum dwelling size; ask Planning & Zoning for the standards attached to the parcel's district11.
- We could not confirm whether Hancock County allows RV occupancy on ordinary residential or agricultural land outside a licensed RV park; ask Planning & Zoning before assuming an RV can serve as a dwelling11.
- Only 3.7% of Hancock County soils are rated without severe limitations for a conventional septic drain field; get the state site evaluation before buying9.
Sources
- Planning & Zoning (2026 county census)
- Planning & Zoning, quoted and re-checked
- On-Site Wastewater, quoted and re-checked
- Wastewater Application FAQ, quoted and re-checked
- Residential Construction Checklist, quoted and re-checked
- Mississippi State Department of Health - On-Site Wastewater (2026 county census)
- Hancock County Building & Zoning — mobile home permit checklist (hancockcounty.ms.gov)
- Hancock County Permit Fee Schedule (hancockcounty.ms.gov)
- Share of soils without severe limits for a conventional septic drain field (USDA SSURGO): Bolthole Index county data
- Planning & Zoning, quoted and re-checked
- Hancock County Planning & Zoning (Building Official) (hancockcounty.ms.gov)
- Residential Construction Checklist, quoted and re-checked
- Planning & Zoning, quoted and re-checked
- Hancock County Zoning Ordinance (hancockcounty.ms.gov)
- Mississippi State Department of Health, Division of On-Site Wastewater (South Region — serves Hancock County) (msdh.ms.gov)
- Residential Construction Checklist, quoted and re-checked
- Residential Construction Checklist, quoted and re-checked
- Planning & Zoning, quoted and re-checked
- Annual precipitation: Bolthole Index county data
- Share of years in severe drought: Bolthole Index county data
- Share of land at 15% slope or less: Bolthole Index county data
- Wooded share of land: Bolthole Index county data
- Mississippi Access Management Guide (Mississippi statewide rule), quoted and re-checked
- Typical home insurance premium: Bolthole Index county data
- Effective property tax rate: Bolthole Index county data
- Median property tax bill: Bolthole Index county data
Written September 28, 2026 from the rules quoted below, each taken from an official source and re-checked by an independent reviewer. This is research, not legal advice: rules change, so confirm with the office before you buy or build.