PlainZIP

Hernando, MS · standard

ZIP Code 38632

DeSoto County, Mississippi - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

24,377
55/sq mi
$93,583
Median income
$322,000
Median home value
36.2%
Bachelor's or higher

The verdict

Hernando pairs an upper-quartile household income with above-median home values, in a rural, homeowner-dominated area.

Top 24%
household income, US ZIPs
Top 30%
home value, US ZIPs
55
people per sq mi
88%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 38632 against every reporting US ZIP.

ZIP code 38632 is a densely settled ZIP (a standard USPS delivery area) in Hernando, DeSoto County, Mississippi, with 24,377 residents across 440.0 square miles, a density of 55 people per square mile, in the Chicago time zone.

ZIP 38632 lands in the middle-income range, with a median household income of $93,583 (78% above the Mississippi average), while per-capita income is $42,120. Local economic indicators show a 5.2% poverty rate alongside 2.2% unemployment. Housing costs here run $322,000 for a typical home value (139% above the state average), with rent averaging $1,312 a month; 88.2% of homes are owner-occupied.

A solid share of residents have a four-year degree: 36.2% of adults hold a bachelor's degree or higher, the median age is 40, and the average commute is 29 minutes. We also surface 3 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing DeSoto County, so you can benchmark 38632 against its immediate geography rather than a national average alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 38632

Top 5 sectors by establishment count in Hernando, MS

Which industries have the most business establishments in ZIP 38632.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 38632, Hernando, MS · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

24,377

Population

440.0

Area (sq mi)

55

People / sq mi

Chicago

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 38632?

40.0

Median Age

48.3%

Male

51.7%

Female

1.8%

Foreign-Born

White 81.8%
African American 10.3%
Asian 1.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 5.8%
Hispanic or Latino 2.3%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$93,583

Median Household Income

+78% vs state

$42,120

Per Capita Income

5.2%

Poverty Rate

2.2%

Unemployment Rate

29.4 min

Mean Commute Time

How ZIP 38632 ranks nationally

Hernando, MS household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$93,583 Top 24% higher than 76% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 61.0%
Bachelor's Degree or Higher 36.2%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

12,088

Total Housing Units

11,527

Occupied Units

561

Vacant Units

2.69

Avg Household Size

Occupancy Type

Owner 88.2%
Renter 11.8%

$322,000

Median Home Value

+139% vs state

$1,312

Median Rent

2001

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+8.3%

YoY Change (2024)

212

HPI Index (2000 = 100)

+112%

Total Change Since 2000

Home values in ZIP 38632 have increased 8.3% over the past year (2024). Since 2000, this ZIP has seen +112% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.9% 143
2021 +10.7% 159
2022 +20.8% 192
2023 +2.2% 196
2024 +8.3% 212

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 511 business establishments in ZIP 38632, employing approximately 5,024 people with a combined annual payroll of $215,220,000.

511

Businesses

5,024

Employees

$215.2M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Retail trade 85 16.6%
Other services (except public administration) 63 12.3%
Accommodation and food services 59 11.6%
Construction 57 11.2%
Professional, scientific, and technical services 52 10.2%
Finance and insurance 41 8.0%
Health care and social assistance 40 7.8%
Real estate and rental and leasing 21 4.1%
Administrative and support and waste management and remediation services 19 3.7%
Manufacturing 17 3.3%
Transportation and warehousing 17 3.3%
Wholesale trade 14 2.7%
Educational services 10 2.0%
Arts, entertainment, and recreation 5 1.0%
Utilities 4 0.8%
Information 4 0.8%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 38632 vs 38651 →

ZIP 38632 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 38632 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 38632 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 38632 ranks #3 of 4 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
38651 Nesbit, MS 7,103 6.3 mi
38618 Coldwater, MS 12,031 8.1 mi
38672 Southaven, MS 11,249 10.1 mi

More ZIP Codes in DeSoto County

38654 standard
Olive Branch, MS
Pop: 45,956
38671 standard
Southaven, MS
Pop: 35,712
38637 standard
Horn Lake, MS
Pop: 26,066
38672 standard
Southaven, MS
Pop: 11,249
38651 standard
Nesbit, MS
Pop: 7,103
38680 standard
Walls, MS
Pop: 6,194

Related Areas

DeSoto County Hernando, MS Mississippi

Frequently Asked Questions

What county is ZIP code 38632 in? ▼
ZIP code 38632 (Hernando) is located in DeSoto County, Mississippi. DeSoto County contains multiple ZIP codes, see the full list at /counties/desoto-ms.
What is the population of ZIP code 38632? ▼
ZIP code 38632 in Hernando, MS has a population of 24,377 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 38632? ▼
The median household income in ZIP 38632 is $93,583, which is 23% above the national average of $76,288.
What is the average home value in ZIP 38632? ▼
The median home value in ZIP 38632 is $322,000, which is 16% above the national average of $278,155.
What is the demographic makeup of ZIP 38632? ▼
The largest racial group in ZIP 38632 is White at 81.8%. Hispanic or Latino residents make up 2.3% of the population.
How many businesses are in ZIP code 38632? ▼
ZIP code 38632 has 511 business establishments employing approximately 5,024 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 38632? ▼
The top industries by establishment count in ZIP 38632 are: Retail trade (85), Other services (except public administration) (63), Accommodation and food services (59). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 38632? ▼
According to the FHFA House Price Index, home values in ZIP 38632 increased by 8.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 112%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 38632? ▼
In ZIP code 38632, 61.0% of residents aged 25+ have a high school diploma or higher, and 36.2% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 38632? ▼
The mean commute time for workers in ZIP code 38632 is 29.4 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 38632? ▼
In ZIP code 38632, approximately 88.2% of occupied housing units are owner-occupied and 11.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 38632? ▼
The poverty rate in ZIP code 38632 is 5.2% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.