PlainZIP

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
$58,834
Median income
$179,100
Median home value
20.4%
Bachelor's or higher

The verdict

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.

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 Mississippi average), while per-capita income is $31,943. The poverty rate stands at 13.2% and the unemployment rate at 4.8%. Median home value sits at $179,100 (33% above the state average), median rent at $814 a month, and owner-occupancy at 75.4%.

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. We also surface 3 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Monroe County, so you can benchmark 38821 against its immediate geography rather than a national average 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 38821

Top 5 sectors by establishment count in Amory, MS

Which industries have the most business establishments in ZIP 38821.

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 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

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 38821?

44.3

Median Age

48.5%

Male

51.5%

Female

0.9%

Foreign-Born

White 78.4%
African American 16.7%
Asian 0.1%
American Indian or Alaska Native 0.6%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 3.2%
Hispanic or Latino 2.1%

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

$31,943

Per Capita Income

13.2%

Poverty Rate

4.8%

Unemployment Rate

23.0 min

Mean Commute Time

How ZIP 38821 ranks nationally

Amory, MS household income vs. every US ZIP code

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

$58,834 27th percentile higher than 27% 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%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $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 60.6%
Bachelor's Degree or Higher 20.4%

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

What does housing look like?

6,062

Total Housing Units

5,163

Occupied Units

899

Vacant Units

2.38

Avg Household Size

Occupancy Type

Owner 75.4%
Renter 24.6%

$179,100

Median Home Value

+33% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 38821 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 38821 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 38821 ranks #2 of 4 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
38870 Smithville, MS 3,122 8.6 mi
38858 Nettleton, MS 7,176 10.5 mi
39730 Aberdeen, MS 11,805 11.8 mi

More ZIP Codes in Monroe County

39730 standard
Aberdeen, MS
Pop: 11,805
38858 standard
Nettleton, MS
Pop: 7,176
39746 standard
Hamilton, MS
Pop: 3,183
38870 standard
Smithville, MS
Pop: 3,122
38848 standard
Greenwood Springs, MS
Pop: 848
38844 standard
Gattman, MS
Pop: 131

Related Areas

Monroe County Amory, MS Mississippi

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.

Read our methodology to see how this data is sourced, computed, and verified.