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 Moderate-density area
- $55,625
- Median income Below-median income area
- $148,900
- Median home value Below-median home value
- 17.3%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Holly Springs pairs one of the lowest household incomes in the country with below-median home values, in a rural, homeowner-dominated area.
- 22nd 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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 38635 (Holly Springs, MS) rose +6.4% from 2023 to 2024. The all-transactions index moved from 207.6 in 2023 to 220.9 in 2024 (2000 = 100).
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 average Mississippi ZIP), while per-capita income is $28,631. The poverty rate is 23.1%, so the area-level income figures should not be treated as typical household experience. Median home value is $148,900 (11% above the average Mississippi ZIP) and median rent is $805; 82.0% of occupied 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. The page also surfaces 1 ZIP codes within roughly 10 miles and 4 more in Marshall County, so 38635 can be compared with both its immediate and county-level context.
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.
- Retail trade
Retail trade
51 establishments
- Accommodation and food services
Accommodation and food services
22 establishments
- Finance and insurance 20
Finance and insurance
20 establishments
- Health care and social assistance 20
Health care and social assistance
20 establishments
- Other services (except public administration) 16
Other services (except public administration)
16 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, 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
Who lives in ZIP 38635?
41.9
Median Age
51.1%
Male
48.9%
Female
3.3%
Foreign-Born
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 ZIP avg
$28,631
Per Capita Income
23.1%
Poverty Rate
4.6%
Unemployment Rate
30.2 min
Mean Commute Time
How ZIP 38635 ranks among Mississippi ZIPs
Holly Springs, MS household income vs. every Mississippi ZIP code
Median household income among 377 reporting Mississippi ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$55,625 Top 40% higher than 60% of 377 Mississippi ZIPs
Each bar is a $20K-wide band; taller bars hold more Mississippi 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
6,446housing units
6,446
Total Housing Units
5,636
Occupied Units
810
Vacant Units
2.46
Avg Household Size
Occupancy Type
$148,900
Median Home Value
+11% vs state ZIP avg
$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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 38635, both outside MS so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (15,941 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Marshall County
Related Areas
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.
Related
Take this with you
What to do with ZIP 38635's numbers, next.
- See how ZIP 38635 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Holly Springs, MS ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.