Amory, MS · standard
ZIP Code 38821
Monroe County, Mississippi - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 12,528
- 34/sq mi Moderate-density area
- $58,834
- Median income Below-median income area
- $179,100
- Median home value Near-median home value
- 20.4%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Amory pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.
- 27th pct
- household income, US ZIPs
- 38th pct
- home value, US ZIPs
- 34
- people per sq mi
- 75%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 38821 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 38821 (Amory, MS) rose +4.1% from 2023 to 2024. The all-transactions index moved from 169.4 in 2023 to 176.2 in 2024 (2000 = 100).
ZIP code 38821 is a mid-sized community (a standard USPS delivery area) in Amory, Monroe County, Mississippi, home to 12,528 residents across 369.6 square miles, a density of 34 people per square mile, in the Chicago time zone.
ZIP 38821 reports a modest median household income of $58,834 (12% above the average Mississippi ZIP), while per-capita income is $31,943. The poverty rate is 13.2%, with unemployment at 4.8%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $179,100 (33% above the average Mississippi ZIP), while 75.4% of occupied homes are owner-occupied and median rent is $814.
Educational attainment sits below the national norm: 20.4% of adults hold a bachelor's degree or higher, the median age is 44.3, and the average commute is 23 minutes. The page also surfaces 3 ZIP codes within roughly 10 miles and 6 more in Monroe County, so 38821 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 38821
Top 5 sectors by establishment count in Amory, MS
Which industries have the most business establishments in ZIP 38821.
- Retail trade
Retail trade
67 establishments
- Health care and social assistance
Health care and social assistance
42 establishments
- Finance and insurance
Finance and insurance
35 establishments
- Other services (except public administration)
Other services (except public administration)
34 establishments
- Accommodation and food services
Accommodation and food services
33 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 38821, Amory, 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
12,528
Population
369.6
Area (sq mi)
34
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 38821?
44.3
Median Age
48.5%
Male
51.5%
Female
0.9%
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?
$58,834
Median Household Income
+12% vs state ZIP avg
$31,943
Per Capita Income
13.2%
Poverty Rate
4.8%
Unemployment Rate
23.0 min
Mean Commute Time
How ZIP 38821 ranks among Mississippi ZIPs
Amory, 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)
$58,834 Top 33% higher than 67% 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
6,062housing units
6,062
Total Housing Units
5,163
Occupied Units
899
Vacant Units
2.38
Avg Household Size
Occupancy Type
$179,100
Median Home Value
+33% vs state ZIP avg
$814
Median Rent
1979
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
+4.1%
YoY Change (2024)
176
HPI Index (2000 = 100)
+76%
Total Change Since 2000
Home values in ZIP 38821 have increased 4.1% over the past year (2024). Since 2000, this ZIP has seen +76% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +7.4% | 142 |
| 2021 | +8.2% | 154 |
| 2022 | +10.6% | 170 |
| 2023 | -0.5% | 169 |
| 2024 | +4.1% | 176 |
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 305 business establishments in ZIP 38821, employing approximately 4,498 people with a combined annual payroll of $181,038,000.
305
Businesses
4,498
Employees
$181.0M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 67 | 22.0% |
| Health care and social assistance | 42 | 13.8% |
| Finance and insurance | 35 | 11.5% |
| Other services (except public administration) | 34 | 11.2% |
| Accommodation and food services | 33 | 10.8% |
| Construction | 22 | 7.2% |
| Manufacturing | 21 | 6.9% |
| Professional, scientific, and technical services | 16 | 5.3% |
| Administrative and support and waste management and remediation services | 8 | 2.6% |
| Wholesale trade | 6 | 2.0% |
| Information | 6 | 2.0% |
| Real estate and rental and leasing | 6 | 2.0% |
| Transportation and warehousing | 3 | 1.0% |
| Arts, entertainment, and recreation | 3 | 1.0% |
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 38821 vs 38870 →
ZIP 38821 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 38821
Amory (38821)
12,528 residents
- 39730
Aberdeen (39730)
11,805 residents
- 38858
Nettleton (38858)
7,176 residents
- 38870 3,122
Smithville (38870)
3,122 residents
What this shows Among its immediate neighbors, ZIP 38821 ranks the most populous - useful context the national average alone can't give.
ZIP 38821 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 38870
Smithville (38870)
$70,667 median income
- 38821
Amory (38821)
$58,834 median income
- 38858
Nettleton (38858)
$56,037 median income
- 39730
Aberdeen (39730)
$43,336 median income
What this shows By household income, ZIP 38821 ranks #2 of 4 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 38821, 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 (12,528 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Monroe County
Related Areas
Frequently Asked Questions
What county is ZIP code 38821 in?
ZIP code 38821 (Amory) is located in Monroe County, Mississippi. Monroe County contains multiple ZIP codes, see the full list at /counties/monroe-ms.
What is the population of ZIP code 38821?
ZIP code 38821 in Amory, MS has a population of 12,528 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 38821?
The median household income in ZIP 38821 is $58,834, which is 23% below the national average of $76,288.
What is the average home value in ZIP 38821?
The median home value in ZIP 38821 is $179,100, which is 36% below the national average of $278,155.
What is the demographic makeup of ZIP 38821?
The largest racial group in ZIP 38821 is White at 78.4%. Hispanic or Latino residents make up 2.1% of the population.
How many businesses are in ZIP code 38821?
ZIP code 38821 has 305 business establishments employing approximately 4,498 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 38821?
The top industries by establishment count in ZIP 38821 are: Retail trade (67), Health care and social assistance (42), Finance and insurance (35). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 38821?
According to the FHFA House Price Index, home values in ZIP 38821 increased by 4.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 76%. 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 38821?
In ZIP code 38821, 60.6% of residents aged 25+ have a high school diploma or higher, and 20.4% 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 38821?
The mean commute time for workers in ZIP code 38821 is 23.0 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 38821?
In ZIP code 38821, approximately 75.4% of occupied housing units are owner-occupied and 24.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 38821?
The poverty rate in ZIP code 38821 is 13.2% 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 38821's numbers, next.
- See how ZIP 38821 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Amory, 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.