ZIP Code 38685

ZIP code 38685 is classified by USPS as a standard delivery area and covers roughly 232.2 square miles in Waterford, Marshall County, Mississippi. The area is home to 1,347 residents, producing a population density of 6 people per square mile, and falls within the Chicago time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 38685 against Mississippi and the nation.

On the economic side, the median household income for ZIP 38685 sits at $41,210 (22% below the Mississippi average), while per-capita income is $37,978. The poverty rate stands at 19.4% and the unemployment rate at 6.2%. On housing, the median home value is $124,100 (8% below the state average) with median rent at — per month, and 95.1% of occupied units are owner-occupied, a direct signal of whether 38685 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 3.8% of adults hold a bachelor's degree or higher, the median age is 61.4, and the average commute is —. We also surface 1 nearby ZIP codes within roughly 10 miles and 4 additional ZIPs sharing Marshall County, so you can benchmark 38685 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →