ZIP 39663 vs ZIP 39654

This side-by-side compares ZIP 39663 (Silver Creek, MS) and ZIP 39654 (Monticello, MS) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 39663 has a population of 3,080 at 10 people per square mile, while ZIP 39654 has 5,635 at 14 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 39663 reports a median household income of $46,484 against $41,370 in ZIP 39654, with per-capita income of $27,773 vs $25,949. The share of adults holding a bachelor's degree or higher is 7.3% in 39663 and 15.0% in 39654. Poverty rate reads 22.1% vs 23.1%, and unemployment 8.9% vs 16.0% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $84,500 in 39663 versus $106,300 in 39654, with median rent of $791 and $567 per month respectively. Homeownership rate is 89.2% vs 76.4%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.