PlainZIP

Oxford, MS · standard

ZIP Code 38655

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

36,699
37/sq mi
$68,235
Median income
$340,000
Median home value
51.1%
Bachelor's or higher

The verdict

Oxford pairs a below-median household income with above-median home values, in a rural, homeowner-dominated area.

44th pct
household income, US ZIPs
Top 28%
home value, US ZIPs
37
people per sq mi
60%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 38655 against every reporting US ZIP.

ZIP code 38655 is a densely settled ZIP (a standard USPS delivery area) in Oxford, Lafayette County, Mississippi, with 36,699 residents across 997.3 square miles, a density of 37 people per square mile, in the Chicago time zone.

ZIP 38655 reports a modest median household income of $68,235 (30% above the Mississippi average), while per-capita income is $41,492. Poverty here runs at 19.4%, with unemployment measured at 2.2%. On housing, the median home value is $340,000 (153% above the state average) with median rent at $1,090 per month, and 60.4% of occupied units are owner-occupied.

This is a highly-educated ZIP: 51.1% of adults hold a bachelor's degree or higher, the median age is 32.7, and the average commute is 22 minutes. Beyond these figures, 4 nearby ZIP codes within about 10 miles are surfaced below, along with 4 more sharing Lafayette County, letting you compare 38655 to its immediate surroundings rather than a national baseline 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 38655

Top 5 sectors by establishment count in Oxford, MS

Which industries have the most business establishments in ZIP 38655.

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 38655, Oxford, 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

36,699

Population

997.3

Area (sq mi)

37

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 38655?

32.7

Median Age

47.3%

Male

52.7%

Female

3.5%

Foreign-Born

White 69.0%
African American 23.3%
Asian 2.5%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 3.9%
Hispanic or Latino 3.8%

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?

$68,235

Median Household Income

+30% vs state

$41,492

Per Capita Income

19.4%

Poverty Rate

2.2%

Unemployment Rate

22.3 min

Mean Commute Time

How ZIP 38655 ranks nationally

Oxford, MS household income vs. every US ZIP code

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

$68,235 44th percentile higher than 44% 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%). This entry sits in this band. $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 67.2%
Bachelor's Degree or Higher 51.1%

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

What does housing look like?

25,415

Total Housing Units

16,685

Occupied Units

8,730

Vacant Units

2.73

Avg Household Size

Occupancy Type

Owner 60.4%
Renter 39.6%

$340,000

Median Home Value

+153% vs state

$1,090

Median Rent

2000

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

+10.3%

YoY Change (2024)

272

HPI Index (2000 = 100)

+172%

Total Change Since 2000

Home values in ZIP 38655 have increased 10.3% over the past year (2024). Since 2000, this ZIP has seen +172% cumulative appreciation.

Year Annual Change HPI Index
2020 +1.3% 178
2021 +6.6% 189
2022 +14.2% 216
2023 +14.2% 247
2024 +10.3% 272

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 1,348 business establishments in ZIP 38655, employing approximately 18,301 people with a combined annual payroll of $790,353,000.

1,348

Businesses

18,301

Employees

$790.4M

Annual Payroll

17

Industry Sectors

Industry Establishments % of Total
Retail trade 226 16.8%
Health care and social assistance 193 14.3%
Accommodation and food services 187 13.9%
Professional, scientific, and technical services 158 11.7%
Other services (except public administration) 125 9.3%
Finance and insurance 102 7.6%
Real estate and rental and leasing 79 5.9%
Construction 73 5.4%
Administrative and support and waste management and remediation services 58 4.3%
Wholesale trade 33 2.5%
Arts, entertainment, and recreation 30 2.2%
Information 27 2.0%
Manufacturing 17 1.3%
Transportation and warehousing 14 1.0%
Educational services 9 0.7%
Utilities 8 0.6%
Management of companies and enterprises 6 0.5%

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 38655 vs 38677 →

ZIP 38655 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 38655 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 38655 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 38655 ranks #2 of 3 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
38677 University, MS 4,198 4.2 mi
38673 Taylor, MS 746 8.3 mi
38601 Abbeville, MS 2,371 10.5 mi
38949 Paris, MS 297 10.2 mi

More ZIP Codes in Lafayette County

38677 standard
University, MS
Pop: 4,198
38601 standard
Abbeville, MS
Pop: 2,371
38673 standard
Taylor, MS
Pop: 746
38949 standard
Paris, MS
Pop: 297

Related Areas

Lafayette County Oxford, MS Mississippi

Frequently Asked Questions

What county is ZIP code 38655 in? ▼
ZIP code 38655 (Oxford) is located in Lafayette County, Mississippi. Lafayette County contains multiple ZIP codes, see the full list at /counties/lafayette-ms.
What is the population of ZIP code 38655? ▼
ZIP code 38655 in Oxford, MS has a population of 36,699 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 38655? ▼
The median household income in ZIP 38655 is $68,235, which is 11% below the national average of $76,288.
What is the average home value in ZIP 38655? ▼
The median home value in ZIP 38655 is $340,000, which is 22% above the national average of $278,155.
What is the demographic makeup of ZIP 38655? ▼
The largest racial group in ZIP 38655 is White at 69.0%. Hispanic or Latino residents make up 3.8% of the population.
How many businesses are in ZIP code 38655? ▼
ZIP code 38655 has 1,348 business establishments employing approximately 18,301 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 38655? ▼
The top industries by establishment count in ZIP 38655 are: Retail trade (226), Health care and social assistance (193), Accommodation and food services (187). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 38655? ▼
According to the FHFA House Price Index, home values in ZIP 38655 increased by 10.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 172%. 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 38655? ▼
In ZIP code 38655, 67.2% of residents aged 25+ have a high school diploma or higher, and 51.1% 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 38655? ▼
The mean commute time for workers in ZIP code 38655 is 22.3 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 38655? ▼
In ZIP code 38655, approximately 60.4% of occupied housing units are owner-occupied and 39.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 38655? ▼
The poverty rate in ZIP code 38655 is 19.4% 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.