PlainZIP

Holly Springs, MS · standard

ZIP Code 38635

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

15,941
18/sq mi
$55,625
Median income
$148,900
Median home value
17.3%
Bachelor's or higher

The verdict

Holly Springs pairs one of the lowest household incomes in the country with below-median home values, in a rural, homeowner-dominated area.

22th pct
household income, US ZIPs
25th pct
home value, US ZIPs
18
people per sq mi
82%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 38635 against every reporting US ZIP.

ZIP code 38635 is a mid-sized community (a standard USPS delivery area) in Holly Springs, Marshall County, Mississippi, home to 15,941 residents across 880.7 square miles, a density of 18 people per square mile, in the Chicago time zone.

ZIP 38635 reports a modest median household income of $55,625 (6% above the Mississippi average), while per-capita income is $28,631. Local economic indicators show a 23.1% poverty rate alongside 4.6% unemployment. Housing costs here run $148,900 for a typical home value (11% above the state average), with rent averaging $805 a month; 82.0% of homes are owner-occupied.

Educational attainment sits below the national norm: 17.3% of adults hold a bachelor's degree or higher, the median age is 41.9, and the average commute is 30 minutes. We also surface 1 nearby ZIP codes within roughly 10 miles and 4 additional ZIPs sharing Marshall County, so you can benchmark 38635 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 38635

Top 5 sectors by establishment count in Holly Springs, MS

Which industries have the most business establishments in ZIP 38635.

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 38635, Holly Springs, 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

15,941

Population

880.7

Area (sq mi)

18

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 38635?

41.9

Median Age

51.1%

Male

48.9%

Female

3.3%

Foreign-Born

White 30.5%
African American 62.3%
Asian 0.1%
American Indian or Alaska Native 0.7%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 5.3%
Hispanic or Latino 1.4%

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?

$55,625

Median Household Income

+6% vs state

$28,631

Per Capita Income

23.1%

Poverty Rate

4.6%

Unemployment Rate

30.2 min

Mean Commute Time

How ZIP 38635 ranks nationally

Holly Springs, MS household income vs. every US ZIP code

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

$55,625 22nd percentile higher than 22% 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%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $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 54.9%
Bachelor's Degree or Higher 17.3%

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

What does housing look like?

6,446

Total Housing Units

5,636

Occupied Units

810

Vacant Units

2.46

Avg Household Size

Occupancy Type

Owner 82.0%
Renter 18.0%

$148,900

Median Home Value

+11% vs state

$805

Median Rent

1987

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

+6.4%

YoY Change (2024)

221

HPI Index (2000 = 100)

+121%

Total Change Since 2000

Home values in ZIP 38635 have increased 6.4% over the past year (2024). Since 2000, this ZIP has seen +121% cumulative appreciation.

Year Annual Change HPI Index
2020 -1.1% 139
2021 +13.8% 159
2022 +16.8% 185
2023 +11.9% 208
2024 +6.4% 221

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 212 business establishments in ZIP 38635, employing approximately 3,298 people with a combined annual payroll of $136,527,000.

212

Businesses

3,298

Employees

$136.5M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Retail trade 51 24.1%
Accommodation and food services 22 10.4%
Finance and insurance 20 9.4%
Health care and social assistance 20 9.4%
Other services (except public administration) 16 7.5%
Construction 13 6.1%
Transportation and warehousing 12 5.7%
Professional, scientific, and technical services 12 5.7%
Manufacturing 11 5.2%
Real estate and rental and leasing 9 4.3%
Administrative and support and waste management and remediation services 8 3.8%
Information 5 2.4%
Wholesale trade 4 1.9%
Educational services 4 1.9%
Arts, entertainment, and recreation 4 1.9%

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 38635 vs 38661 →

ZIP Code City Population Distance
38661 Red Banks, MS 2,039 9.9 mi

More ZIP Codes in Marshall County

38611 standard
Byhalia, MS
Pop: 17,202
38659 standard
Potts Camp, MS
Pop: 2,841
38661 standard
Red Banks, MS
Pop: 2,039
38685 standard
Waterford, MS
Pop: 1,347

Related Areas

Marshall County Holly Springs, MS Mississippi

Frequently Asked Questions

What county is ZIP code 38635 in? ▼
ZIP code 38635 (Holly Springs) is located in Marshall County, Mississippi. Marshall County contains multiple ZIP codes, see the full list at /counties/marshall-ms.
What is the population of ZIP code 38635? ▼
ZIP code 38635 in Holly Springs, MS has a population of 15,941 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 38635? ▼
The median household income in ZIP 38635 is $55,625, which is 27% below the national average of $76,288.
What is the average home value in ZIP 38635? ▼
The median home value in ZIP 38635 is $148,900, which is 46% below the national average of $278,155.
What is the demographic makeup of ZIP 38635? ▼
The largest racial group in ZIP 38635 is African American at 62.3%. Hispanic or Latino residents make up 1.4% of the population.
How many businesses are in ZIP code 38635? ▼
ZIP code 38635 has 212 business establishments employing approximately 3,298 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 38635? ▼
The top industries by establishment count in ZIP 38635 are: Retail trade (51), Accommodation and food services (22), Finance and insurance (20). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 38635? ▼
According to the FHFA House Price Index, home values in ZIP 38635 increased by 6.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 121%. 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 38635? ▼
In ZIP code 38635, 54.9% of residents aged 25+ have a high school diploma or higher, and 17.3% 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 38635? ▼
The mean commute time for workers in ZIP code 38635 is 30.2 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 38635? ▼
In ZIP code 38635, approximately 82.0% of occupied housing units are owner-occupied and 18.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 38635? ▼
The poverty rate in ZIP code 38635 is 23.1% 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.