Residential delivery area · Mississippi
ZIP Code 39654: Monticello, MS
ZIP code 39654 uses the postal name Monticello, Mississippi and lies mostly in Lawrence County (97% of its land) with the rest in Lincoln County (Census 2020 ZIP-county file). About 4,600 people live there (Census Bureau, ACS 2020-2024). Median household income is $41,370 (Census Bureau, ACS 2020-2024). By Census place, 3% of its land lies in Monticello; 97% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2022
- ZBP2023
- IRS2022
- Town
- Monticello · its only residential ZIP
- County
- Lawrence County (97%); Lincoln County (3%)
- Census places
- Monticello
- House district
- MS-3 119th Congress
- State
- Mississippi
- Time zone
- Central
- Land area
- 151.7 sq mi · 30 people per sq mi
Where is ZIP code 39654?
39654 centers on 31.541°, -90.149° and covers 151.7 square miles of land plus 1.8 of water. It borders 10 ZIP codes: 39663, 39665, 39641, 39662, 39656, 39140, 39601, 39191, 39483, 39083.
The map draws ZIP code areas only. For the streets inside 39654, 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 39654 compare with the rest of Lawrence County?
| Measure | 39654 | In Lawrence County | In MS |
|---|---|---|---|
| People (ACS 2020-2024) | 4,604 | 3rd of 8 | 162nd of 427 |
| Median household income | $41k | 3rd of 3 | 167th of 205 |
| Median home value | $106k | 3rd of 3 | 146th of 203 |
Its median household income is higher than in 7% of U.S. residential ZIP codes, and it is denser than 33% 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 39654?
The 2020 Census counted 5,527 people in 39654; the ACS, which samples households over 2020-2024, estimates 4,604. Between the 2010 and 2020 censuses its population fell 1.9% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 4,604±659 (90% margin)
- 2020 Census count
- 5,527−1.9% since 2010 (5,635)
- Households
- 1,765
- Median age
- 40.7
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 39654?
Of the 4,604 people the ACS estimates in 39654, 22.6% are under 18 and 21.2% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (59.5%), then Black (not Hispanic) (35.2%).
- Under 1822.6%
- 18 to 6456.2%
- 65 and older21.2%
- White, not Hispanic59.5%
- Black, not Hispanic35.2%
- Other or two or more3.0%
- Hispanic or Latino2.2%
- Asian, not Hispanic0.1%
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 39654 earn?
Median household income is $41,370 (ACS 2020-2024), the 3rd highest of the 3 ranked ZIP codes in Lawrence County. It is not measurably different from 2015-2019 ($41,887 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $41,370±$6,130
- Income per person
- $25,949
- Below the poverty line
- 23.1%
- Unemployed (of the labor force)
- 16.0%
- Adults 25+ with a bachelor's degree
- 15.0%
- Adjusted gross income per tax return, 2022
- $54,5082,140 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 39654?
- Median home value (owners' estimate)
- $106,300
- Median gross rent
- $567
- Homes owned by their occupants
- 76.4%
- Housing units
- 2,487
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 39654?
118 business establishments had a location in this ZIP code in 2023, 8 more than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade23
- Health care and social assistance23
- Other services (except public administration)17
- Finance and insurance10
- Accommodation and food services8
- Professional, scientific, and technical services7
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 39654?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 39663 | Silver Creek | 2,465 | $47k | 7.5 mi |
| 39665 | Sontag | 755 | $33k | 7.9 mi |
| 39641 | Jayess | 6,769 | $65k | 12.9 mi |
| 39662 | Ruth | 1,446 | – | 13.4 mi |
| 39656 | Oak Vale | 679 | $42k | 14.4 mi |
| 39140 | Newhebron | 2,352 | $44k | 16.3 mi |
| 39601 | Brookhaven | 23,583 | $44k | 19.3 mi |
| 39191 | Wesson | 8,378 | $57k | 19.5 mi |
| 39483 | Foxworth | 5,120 | $37k | 24.2 mi |
| 39083 | Hazlehurst | 8,592 | $45k | 27.6 mi |
| 39474 | Prentiss | 6,099 | $36k | 18.2 mi (near) |
| 39427 | Carson | 799 | $32k | 19.2 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.