ZIP Code 38863
standardSource:
Pontotoc · Pontotoc County · Mississippi
- Population
- 19,788
- Median income
- $49,528
- Median home value
- $156,400
- Bachelor's or higher
- 20.7%
- Land area
- 732.9 sq mi
27/sq mi
▼ 35% vs US
higher than 14% of US ZIPs
▼ 44% vs US
higher than 28% of US ZIPs
Median age 37.9
Chicago
ZIP code 38863 in Pontotoc, Mississippi has a population of 19,788. The median household income is $49,528, which is 35% below the national average. Median home value is $156,400, 44% below the US average. 20.7% of residents hold a bachelor's degree or higher.
ZIP code 38863 is classified by USPS as a standard delivery area and covers roughly 732.9 square miles in Pontotoc, Pontotoc County, Mississippi. The area is home to 19,788 residents, producing a population density of 27 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 38863 against Mississippi and the nation.
On the economic side, the median household income for ZIP 38863 sits at $49,528 (6% below the Mississippi average), while per-capita income is $27,690. The poverty rate stands at 14.6% and the unemployment rate at 3.3%. On housing, the median home value is $156,400 (16% above the state average) with median rent at $864 per month, and 68.0% of occupied units are owner-occupied, a direct signal of whether 38863 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 20.7% of adults hold a bachelor's degree or higher, the median age is 37.9, and the average commute is 24 minutes. We also surface 1 nearby ZIP codes within roughly 10 miles and 4 additional ZIPs sharing Pontotoc County, so you can benchmark 38863 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 →
Top industries in ZIP 38863
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 38863.
- Retail trade
Retail trade
83 establishments
- Manufacturing
Manufacturing
48 establishments
- Other services (except public administration)
Other services (except public administration)
43 establishments
- Health care and social assistance
Health care and social assistance
42 establishments
- Accommodation and food services
Accommodation and food services
34 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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 38863, Pontotoc, MS · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.
Quick Facts
19,788
Population
732.9
Area (sq mi)
27
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 38863?
37.9
Median Age
47.5%
Male
52.5%
Female
2.6%
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?
$49,528
Median Household Income
-6% vs state
$27,690
Per Capita Income
14.6%
Poverty Rate
3.3%
Unemployment Rate
24.3 min
Mean Commute Time
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?
8,511
Total Housing Units
7,210
Occupied Units
1,301
Vacant Units
2.61
Avg Household Size
Occupancy Type
$156,400
Median Home Value
+16% vs state
$864
Median Rent
1987
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
+8.9%
YoY Change (2024)
233
HPI Index (2000 = 100)
+133%
Total Change Since 2000
Home values in ZIP 38863 have increased 8.9% over the past year (2024). Since 2000, this ZIP has seen +133% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.2% | 155 |
| 2021 | +7.5% | 166 |
| 2022 | +19.8% | 199 |
| 2023 | +7.7% | 214 |
| 2024 | +8.9% | 233 |
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 407 business establishments in ZIP 38863, employing approximately 6,289 people with a combined annual payroll of $219,235,000.
407
Businesses
6,289
Employees
$219.2M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 83 | 20.4% |
| Manufacturing | 48 | 11.8% |
| Other services (except public administration) | 43 | 10.6% |
| Health care and social assistance | 42 | 10.3% |
| Accommodation and food services | 34 | 8.3% |
| Finance and insurance | 28 | 6.9% |
| Transportation and warehousing | 22 | 5.4% |
| Professional, scientific, and technical services | 22 | 5.4% |
| Construction | 19 | 4.7% |
| Real estate and rental and leasing | 15 | 3.7% |
| Wholesale trade | 14 | 3.4% |
| Administrative and support and waste management and remediation services | 11 | 2.7% |
| Information | 7 | 1.7% |
| Educational services | 6 | 1.5% |
| Arts, entertainment, and recreation | 5 | 1.2% |
| Utilities | 4 | 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 38863 vs 38841 →
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 38841 | Ecru, MS | 2,775 | 9.1 mi |
More ZIP Codes in Pontotoc County
Related Areas
Frequently Asked Questions
What county is ZIP code 38863 in? ▼
What is the population of ZIP code 38863? ▼
What is the median household income in ZIP 38863? ▼
What is the average home value in ZIP 38863? ▼
What is the demographic makeup of ZIP 38863? ▼
How many businesses are in ZIP code 38863? ▼
What are the main industries in ZIP code 38863? ▼
How have home values changed in ZIP code 38863? ▼
What is the education level in ZIP code 38863? ▼
What is the average commute time in ZIP 38863? ▼
What percentage of residents own vs. rent in ZIP 38863? ▼
What is the poverty rate in ZIP code 38863? ▼
ZIP Code Research Guides
Official Data Resources for Pontotoc, MS
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.