Pharmacist in Biloxi, MS

The Salary Picture: Where Biloxi Stands

As a pharmacist considering Biloxi, you're looking at a market that's a bit below the national average, but with a cost of living that works in your favor. The median salary for pharmacists in the Biloxi-Gulfport metro area is $131,663/year, which breaks down to an hourly rate of $63.3/hour. To put that in perspective, the national average for pharmacists sits at $136,030/year, meaning you're looking at a roughly 3% difference. That gap is largely offset by Biloxi's significantly lower living expenses, which we'll get into later.

The job market here is stable but not booming. There are approximately 98 jobs in the metro area for pharmacists. The 10-year job growth projection is -3%, a figure that reflects the national trend of retail consolidation and the rise of central fill and mail-order pharmacies. However, this number doesn't capture the full picture, as it doesn't account for retirements or the expanding needs of specialty and clinical pharmacy roles in the region's healthcare systems. The metro population, at 49,011, supports a tight-knit professional community where networking can make a real difference.

Here’s a breakdown of what you can expect based on experience level. Note that these are estimates based on the median and local market trends.

Experience Level	Estimated Annual Salary	Typical Work Setting
Entry-Level (0-3 years)	$115,000 - $125,000	Retail chains, grocery stores
Mid-Career (4-9 years)	$125,000 - $140,000	Hospital systems, specialty pharmacy
Senior-Level (10-15 years)	$135,000 - $150,000	Management, clinical specialist
Expert/Leadership (15+ years)	$145,000+	Director, corporate/regional roles

When comparing Biloxi to other Mississippi cities, the pay is competitive within the state. Jackson, the state capital and largest metro, often has a slightly higher median salary (around $138,000), but the cost of living is also higher. Gulfport-Biloxi is the second-largest metro in the state, and its pharmacy salaries are directly comparable to Jackson's, offering a better balance for those seeking a coastal lifestyle. Cities like Hattiesburg or Meridian have lower salaries, often in the $120,000 - $128,000 range, making Biloxi an attractive option for Mississippi.

The Real Take-Home: After Taxes and Rent

Let’s get down to the math. A salary of $131,663 sounds substantial, but the real question is your disposable income. Assuming you're single with no dependents and take the standard deduction, your monthly take-home pay after federal and state taxes (Mississippi has a progressive tax structure) would be approximately $8,200 - $8,500/month (this is a rough estimate; use a paycheck calculator for precise figures).

Now, factor in housing. The average rent for a one-bedroom apartment in Biloxi is $923/month. This is a key advantage. Let's break down a sample monthly budget:

Category	Estimated Monthly Cost	Notes
Rent (1BR)	$923	Varies by neighborhood (see below)
Utilities (Electric, Water, Internet)	$200 - $250	Higher in summer due to AC
Car Payment/Insurance	$400 - $600	Biloxi is car-dependent
Groceries	$350 - $450
Health Insurance (if not employer-sponsored)	$200 - $400
Retirement Savings (10%)	$1,100	Critical for long-term stability
Discretionary/Entertainment	$1,000 - $1,500	Dining, the Coast's offerings
Total Estimated Expenses	$4,173 - $5,423

This leaves a healthy surplus of $2,777 - $4,027/month after taxes and a standard budget. This makes homeownership very attainable. A median-priced home in Biloxi is around $180,000 - $220,000. With your surplus and a good credit score, you could comfortably afford a down payment and monthly mortgage payments (estimated $1,100 - $1,400/month including taxes and insurance), which is only slightly more than the average rent. Insider Tip: Many locals in the healthcare field live in nearby suburbs like D'Iberville or Ocean Springs for better public schools and quieter neighborhoods, which can increase your commute but offer a higher quality of life.

Where the Jobs Are: Biloxi's Major Employers

The pharmacy job market in Biloxi is anchored by a few key players. While retail chains are present, the more stable and higher-paying opportunities are often in healthcare systems and specialty settings.

1. Memorial Hospital at Gulfport: This is one of the largest employers in the region. Their pharmacy department includes inpatient, outpatient, and specialty roles (like oncology and anticoagulation). They often have openings for clinical pharmacists, which can command a salary premium. Hiring trends favor those with a PGY1 residency.
2. Keesler Medical Center (Biloxi): As an Air Force hospital, Keesler offers unique opportunities for civilian pharmacists. Positions are competitive and often advertised on USAJobs.gov. The work environment is structured and benefits are excellent (federal benefits). Note that hiring can be subject to federal budgets and military needs.
3. Ochsner Health System: With a growing presence on the Gulf Coast, Ochsner's satellite clinics and potential future hospital developments create job openings. Their network is expanding, which means more opportunities for internal mobility.
4. Walmart & Sam's Club Pharmacy: These are major employers in the retail sector. They offer structured corporate training and potential for management track positions. Turnover can be higher here, creating openings, but the pace is fast.
5. CVS Pharmacy & Walgreens: The national chains have a strong presence. While the work can be demanding, they often offer sign-on bonuses and relocation assistance, especially for experienced pharmacists. Insider Tip: Being willing to work in a slightly more remote location (like a smaller town within an hour's drive) can sometimes lead to higher pay or a signing bonus.
6. Local Independent Pharmacies: Don't overlook places like Biloxi Pharmacy or Ocean Springs Pharmacy. These offer a more personal work environment, direct community interaction, and sometimes more flexible schedules. They may not have the corporate benefits, but they provide invaluable local connections.
7. Specialty & Compounding Pharmacies: The region has a few specialty pharmacies that focus on compounding or niche therapies. These are smaller employers but can be a great fit for pharmacists with specialized training or interests.

Getting Licensed in MS

To practice pharmacy in Mississippi, you must be licensed by the Mississippi State Board of Pharmacy. Here's the process and what you can expect.

Requirements:

1. Education: A Doctor of Pharmacy (Pharm.D.) degree from an ACPE-accredited institution.
2. Examinations: Pass the North American Pharmacist Licensure Examination (NAPLEX) and the Multistate Pharmacy Jurisprudence Examination (MPJE) for Mississippi.
3. Internship: Complete the required practical training hours (this is typically done during your Pharm.D. program).
4. Background Check: Submit to a criminal background check.

Costs & Timeline:

• Application Fee: Approximately $100 (non-refundable).
• NAPLEX Fee: $485 (paid to NABP).
• MPJE Fee: $200 (paid to NABP).
• Total Exam & Application Cost: ~$785.
• Timeline: The entire process, from submitting your application to receiving your license after passing exams, can take 4-8 weeks, assuming all paperwork is in order. If you're transferring a license from another state (reciprocity), the process is similar but may require additional documentation. It's crucial to start this process well before any job start date. Always check the latest requirements on the Mississippi State Board of Pharmacy website.

Best Neighborhoods for Pharmacists

Choosing where to live in Biloxi depends on your lifestyle. The commute is generally short, but neighborhoods vary in vibe and cost.

1. East Biloxi (Near Keesler & the Coast): This area includes neighborhoods like Point Cadet and Lameuse. It's close to the beach, the VA hospital, and Keesler. You'll find a mix of older, charming homes and newer apartments. Commute to most major hospitals is under 15 minutes. Rent for a 1BR is around $850 - $1,100/month. Insider Tip: This area gets busy during Mardi Gras and special events, which can be a pro or a con.
2. D'Iberville (Suburban): Just north of Biloxi, D'Iberville offers more modern apartment complexes, newer subdivisions, and better-rated public schools. It's a straight shot down I-110 to Memorial Hospital (10-15 min). The vibe is family-oriented and quiet. Rent is comparable to Biloxi: $900 - $1,200/month.
3. Ocean Springs (Charming & Artsy): A 20-minute drive east of Biloxi, Ocean Springs is known for its vibrant arts scene, walkable downtown, and excellent school district. It has a more upscale, small-town feel. Commute to Biloxi can be longer (20-35 min) depending on traffic, but many find the trade-off worth it. Rent is slightly higher: $950 - $1,300/month.
4. Gulfport (West): If you're considering jobs at Memorial Hospital, living in Gulfport can be ideal. The commute is easy via Highway 90. Gulfport has a similar coastal vibe to Biloxi but is often perceived as slightly more "city-like." Rent is very similar to Biloxi: $900 - $1,150/month.
5. Vancleave/Escape from the Coast: For those wanting more space and a quieter lifestyle, Vancleave (about 20-25 minutes north) offers larger homes on more land at a lower cost. You'll trade the coastal views and immediate access to entertainment for privacy. Rent for a house is often in the $1,000 - $1,400/month range for more space.

The Long Game: Career Growth

In Biloxi, career growth for pharmacists requires a proactive approach. The -3% job growth statistic means you're not in a market with rapid expansion; advancement is often about moving up within existing structures or specializing.

Specialty Premiums: Pharmacists with certifications in areas like Oncology (BCOP), Infectious Diseases (BCID), or Ambulatory Care (BCACP) can earn a significant premium, potentially adding $10,000 - $20,000 to their base salary. These roles are primarily found at Memorial Hospital or Ochsner. A PGY1 residency is often a prerequisite for these positions and is highly valued locally.

Advancement Paths:

• Retail to Management: Moving from a staff pharmacist to a Pharmacy Manager or District Manager (with chains like Walmart or CVS) is a common path. This requires strong leadership and business skills.
• Clinical to Leadership: A clinical pharmacist at a hospital can advance to a Clinical Coordinator or Pharmacy Director role. This typically requires additional experience and a master's degree (e.g., MBA, MHA) for director-level positions.
• Industry & Specialty: Some pharmacists transition into roles with pharmaceutical companies or specialty pharmacies, which may offer remote work options but are based in the region. Networking through the Mississippi Pharmacists Association (MSPhA) is crucial here.

10-Year Outlook: The outlook is one of stability rather than explosive growth. Pharmacists who adapt to technology (telepharmacy, automation), pursue clinical certifications, and build a strong local network will thrive. The demand for pharmacists in health systems to manage complex patient care and medication therapy management will remain steady, while the retail sector may continue to consolidate. Insider Tip: Consider getting involved with the Gulf Coast Pharmacy Association, a local chapter, which is a great way to stay ahead of opportunities.

The Verdict: Is Biloxi Right for You?

Pros	Cons
Excellent Cost of Living: Your $131,663 salary stretches much further than in major cities.	Limited Job Market: Only ~98 jobs; growth is flat/negative.
Attainable Homeownership: A median home is within easy reach.	Car-Dependent: You'll need a reliable vehicle.
Strong Healthcare Anchor: Memorial Hospital and Keesler provide stable, higher-paying opportunities.	Slower Pace: Limited major city amenities (theater, high-end dining).
Unique Coastal Lifestyle: Beaches, fishing, and a relaxed vibe are at your doorstep.	Hurricane Risk: A tangible reality that requires preparedness.
Tight-Knit Professional Community: Easier to build a strong network.	Lower Ceiling for Salary Growth: Top-tier salaries are capped compared to national metros.

Final Recommendation: Biloxi is an excellent choice for pharmacists who prioritize work-life balance, affordable living, and a coastal lifestyle over maximizing salary or being in a fast-paced, expanding job market. It's ideal for those in the mid-career stage looking to buy a home, start a family, or simply enjoy a slower pace without sacrificing professional stability. It may be less ideal for new graduates seeking a vast array of entry-level options or for those whose career goals require being in a major metropolitan hub.

FAQs

Q: Is the -3% job growth a major red flag?
A: It indicates a mature, stable market, not a shrinking one. Jobs exist, but competition can be stiff for the best positions (e.g., hospital, clinical roles). The key is to be flexible and persistent. Many openings are filled internally or through professional networks before being publicly advertised.

Q: How does the hurricane season affect the pharmacy profession here?
A: Pharmacies are considered essential services. During a storm, pharmacists may need to work extended hours to ensure community access to medications. It's a point to discuss in interviews—your willingness to be a community resource during emergencies is valued. Long-term, it's a consideration for home buying (flood zones, insurance).

Q: Are there opportunities for part-time or flexible schedules?
A: Yes, especially in retail settings and some independent pharmacies. Hospital pharmacy often follows a 24/7 shift model, which can include nights, weekends, and holidays. If flexibility is a priority, retail or independent settings offer more options.

Q: What's the best way to find a job in Biloxi?
A: Use a multi-pronged approach: 1) Check direct career sites of Memorial, Keesler, and Ochsner. 2) Use national job boards (Indeed, LinkedIn) but set location filters. 3) Network locally. Contact the Gulf Coast Pharmacy Association or MSPhA. A personal connection can make all the difference in this market.

Q: Do I need a residency for a good job in Biloxi?
A: For hospital clinical specialist roles, a PGY1 residency is often a requirement. For staff pharmacist positions in retail or even inpatient settings, experience can sometimes substitute for a residency. However, with the competitive job market, residency-trained candidates have a clear advantage for the most desirable positions.