Residential delivery area · Mississippi
ZIP Code 38863: Pontotoc, MS
ZIP code 38863 uses the postal name Pontotoc, Mississippi and lies mostly in Pontotoc County (96% of its land) with the rest in Lafayette County (Census 2020 ZIP-county file). About 19,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $49,528 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Pontotoc (4%), Algoma (2%) and Toccopola (2%); 92% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Pontotoc · its only residential ZIP
- County
- Pontotoc County (96%); Lafayette County (4%)
- Census places
- Pontotoc (4%); Algoma (2%); Toccopola (2%)
- House district
- MS-1 119th Congress
- State
- Mississippi
- Time zone
- Central
- Land area
- 289.8 sq mi · 66 people per sq mi
Where is ZIP code 38863?
38863 centers on 34.217°, -89.027° and covers 289.8 square miles of land plus 1.7 of water. It borders 12 ZIP codes: 38841, 38850, 38864, 38826, 38871, 38801, 38828, 38868, 38652, 38627 and more.
The map draws ZIP code areas only. For the streets inside 38863, 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 38863 compare with the rest of Pontotoc County?
| Measure | 38863 | In Pontotoc County | In MS |
|---|---|---|---|
| People (ACS 2020-2024) | 19,046 | 2nd of 10 | 43rd of 427 |
| Median household income | $50k | 5th of 6 | 130th of 205 |
| Median home value | $156k | 5th of 7 | 87th of 203 |
Its median household income is higher than in 14% of U.S. residential ZIP codes, and it is denser than 47% of all 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 38863?
The 2020 Census counted 20,195 people in 38863; the ACS, which samples households over 2020-2024, estimates 19,046. Between the 2010 and 2020 censuses its population grew 2.1% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 19,046
- 2020 Census count
- 20,195+2.1% since 2010 (19,788)
- Households
- 7,210
- Median age
- 37.9
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 38863?
Of the 19,046 people the ACS estimates in 38863, 25.6% are under 18 and 15.9% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (71.1%), then Black (not Hispanic) (16.4%).
- Under 1825.6%
- 18 to 6458.5%
- 65 and older15.9%
- White, not Hispanic71.1%
- Black, not Hispanic16.4%
- Hispanic or Latino7.9%
- Other or two or more4.5%
- Asian, not Hispanic0.0%
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 38863 earn?
Median household income is $49,528 (ACS 2020-2024), the 5th highest of the 6 ranked ZIP codes in Pontotoc County. It is not measurably different from 2015-2019 ($54,419 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $49,528
- Income per person
- $27,690
- Below the poverty line
- 14.6%
- Unemployed (of the labor force)
- 3.3%
- Adults 25+ with a bachelor's degree
- 20.7%
- Adjusted gross income per tax return, 2022
- $54,9908,530 returns; wages 75% 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 38863?
FHFA's house price index for 38863, built from repeat sales and appraisals of the same homes, rose 74% from 2015 to 2025 and rose 50% from 2020 to 2025, and moved −0.8% in 2025.
- Median home value (owners' estimate)
- $156,400
- Median gross rent
- $864
- Homes owned by their occupants
- 68.0%
- Housing units
- 8,511
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 38863?
407 business establishments had a location in this ZIP code in 2023, 32 more than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade83
- Manufacturing48
- Other services (except public administration)43
- Health care and social assistance42
- Accommodation and food services34
- Finance and insurance28
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 38863?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 38841 | Ecru | 3,963 | $54k | 9.1 mi |
| 38850 | Houlka | 2,972 | $53k | 11.1 mi |
| 38864 | Randolph | 2,100 | $54k | 11.1 mi |
| 38826 | Belden | 5,894 | $76k | 11.8 mi |
| 38871 | Thaxton | 2,337 | $64k | 13.1 mi |
| 38801 | Tupelo | 29,858 | $63k | 14.5 mi |
| 38828 | Blue Springs | 5,120 | $65k | 17.0 mi |
| 38868 | Shannon | 4,371 | $41k | 17.4 mi |
| 38652 | New Albany | 15,789 | $55k | 18.7 mi |
| 38627 | Etta | 1,145 | $63k | 20.3 mi |
| 38860 | Okolona | 5,388 | $41k | 22.6 mi |
| 38655 | Oxford | 46,156 | $68k | 27.4 mi |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.