Residential delivery area · Mississippi
ZIP Code 38685: Waterford, MS
ZIP code 38685 uses the postal name Waterford, Mississippi and lies mostly in Marshall County (94% of its land) with the rest in Lafayette County (Census 2020 ZIP-county file). About 1,300 people live there (Census Bureau, ACS 2020-2024). Median household income is $41,210 (Census Bureau, ACS 2020-2024). By Census place, under 1% of its land lies in Waterford (a census-designated place); more than 99% is outside any Census place.
- ACS2020-24
- Census2020
- ZBP2023
- IRS2022
- Town
- Waterford · its only residential ZIP
- County
- Marshall County (94%); Lafayette County (6%)
- Census places
- Waterford census-designated place
- Metro area
- Memphis, TN-MS-AR
- House district
- MS-1 119th Congress
- State
- Mississippi
- Time zone
- Central
- Land area
- 83.7 sq mi · 16 people per sq mi
Where is ZIP code 38685?
38685 centers on 34.593°, -89.488° and covers 83.7 square miles of land plus 1.6 of water. It borders 4 ZIP codes: 38601, 38659, 38635, 38619.
The map draws ZIP code areas only. For the streets inside 38685, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 38685 compare with the rest of Marshall County?
| Measure | 38685 | In Marshall County | In MS |
|---|---|---|---|
| People (ACS 2020-2024) | 1,301 | 7th of 7 | 302nd of 427 |
| Median household income | $41k | not ranked | not ranked |
| Median home value | $124k | not ranked | not ranked |
38685's median household income is not ranked: its 90% margin of error (±$14,773) is more than a quarter of the figure ($41,210); 38685's median home value is not ranked: its 90% margin of error (±$96,774) is more than a quarter of the figure ($124,100). Rankings use ZIP codes of 1,000 or more people living in households, with margins at most 25% of the figure.
It is denser than 22% of U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 38685?
The 2020 Census counted 1,317 people in 38685; the ACS, which samples households over 2020-2024, estimates 1,301. Between the 2010 and 2020 censuses its population fell 2.2% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 1,301±430 (90% margin)
- 2020 Census count
- 1,317−2.2% since 2010 (1,347)
- Households
- 586
- Median age
- 61.4
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 38685?
Of the 1,301 people the ACS estimates in 38685, 6.1% are under 18 and 43.4% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (74.0%), then Black (not Hispanic) (25.4%).
- Under 186.1%
- 18 to 6450.6%
- 65 and older43.4%
- White, not Hispanic74.0%
- Black, not Hispanic25.4%
- Hispanic or Latino0.6%
- Asian, not Hispanic0.0%
- Other or two or more0.0%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 38685 earn?
Median household income is $41,210 (ACS 2020-2024).
- Median household income
- $41,210±$14,773
- Income per person
- $37,978
- Below the poverty line
- 19.4%
- Unemployed (of the labor force)
- 6.2%
- Adults 25+ with a bachelor's degree
- 3.8%
- Adjusted gross income per tax return, 2022
- $50,462520 returns; wages 77% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 38685?
- Median home value (owners' estimate)
- $124,100
- Median gross rent
- –
- Homes owned by their occupants
- 95.1%
- Housing units
- 677
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001).
What businesses are in 38685?
9 business establishments had a location in this ZIP code in 2023, the same count as in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade3
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 38685?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 38601 | Abbeville | 2,507 | $48k | 8.2 mi |
| 38659 | Potts Camp | 1,999 | $40k | 9.1 mi |
| 38635 | Holly Springs | 15,503 | $56k | 12.0 mi |
| 38619 | Como | 5,366 | $35k | 19.8 mi |
| 38677 | University | 5,395 | – | 16.2 mi (near) |
| 38633 | Hickory Flat | 2,212 | $33k | 17.1 mi (near) |
| 38627 | Etta | 1,145 | $63k | 17.2 mi (near) |
| 38655 | Oxford | 46,156 | $68k | 18.2 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.