PlainZIP

Monticello, MS · standard

ZIP Code 39654

Lawrence County, Mississippi - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

5,635
14/sq mi
$41,370
Median income
$106,300
Median home value
15.0%
Bachelor's or higher

The verdict

Monticello pairs one of the lowest household incomes in the country with among the most affordable home values nationally, in a rural, homeowner-dominated area.

6th pct
household income, US ZIPs
12th pct
home value, US ZIPs
14
people per sq mi
76%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 39654 against every reporting US ZIP.

ZIP code 39654 is a mid-sized community (a standard USPS delivery area) in Monticello, Lawrence County, Mississippi, home to 5,635 residents across 399.6 square miles, a density of 14 people per square mile, in the Chicago time zone.

ZIP 39654 reports a modest median household income of $41,370 (21% below the Mississippi average), while per-capita income is $25,949. Local economic indicators show a 23.1% poverty rate alongside 16.0% unemployment. The typical home here is valued at $106,300 (21% below the state average); renters pay a median of $567 monthly, and 76.4% of units are owner-occupied.

Educational attainment sits below the national norm: 15.0% of adults hold a bachelor's degree or higher, the median age is 40.7, and the average commute is 30 minutes. To put 39654 in local context, 2 ZIP codes within roughly 10 miles appear further down this page alongside 3 additional ZIPs in Lawrence County, for a geography-aware comparison.

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 39654

Top 5 sectors by establishment count in Monticello, MS

Which industries have the most business establishments in ZIP 39654.

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 39654, Monticello, 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

5,635

Population

399.6

Area (sq mi)

14

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 39654?

40.7

Median Age

44.1%

Male

55.9%

Female

0.0%

Foreign-Born

White 59.5%
African American 35.2%
Asian 0.1%
American Indian or Alaska Native 0.3%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.0%
Hispanic or Latino 2.2%

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?

$41,370

Median Household Income

-21% vs state

$25,949

Per Capita Income

23.1%

Poverty Rate

16.0%

Unemployment Rate

30.2 min

Mean Commute Time

How ZIP 39654 ranks nationally

Monticello, MS household income vs. every US ZIP code

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

$41,370 6th percentile higher than 6% 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 50.5%
Bachelor's Degree or Higher 15.0%

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

What does housing look like?

2,487

Total Housing Units

1,765

Occupied Units

722

Vacant Units

2.58

Avg Household Size

Occupancy Type

Owner 76.4%
Renter 23.6%

$106,300

Median Home Value

-21% vs state

$567

Median Rent

1980

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 118 business establishments in ZIP 39654, employing approximately 1,433 people with a combined annual payroll of $89,407,000.

118

Businesses

1,433

Employees

$89.4M

Annual Payroll

10

Industry Sectors

Industry Establishments % of Total
Retail trade 23 19.5%
Health care and social assistance 23 19.5%
Other services (except public administration) 17 14.4%
Finance and insurance 10 8.5%
Accommodation and food services 8 6.8%
Professional, scientific, and technical services 7 5.9%
Manufacturing 6 5.1%
Agriculture, forestry, fishing and hunting 5 4.2%
Transportation and warehousing 5 4.2%
Real estate and rental and leasing 5 4.2%

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 39654 vs 39663 →

ZIP 39654 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 39654 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 39654 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 39654 ranks #2 of 3 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
39663 Silver Creek, MS 3,080 7.1 mi
39665 Sontag, MS 1,196 8.0 mi

More ZIP Codes in Lawrence County

39663 standard
Silver Creek, MS
Pop: 3,080
39140 standard
Newhebron, MS
Pop: 2,250
39665 standard
Sontag, MS
Pop: 1,196

Related Areas

Lawrence County Monticello, MS Mississippi

Frequently Asked Questions

What county is ZIP code 39654 in? ▼
ZIP code 39654 (Monticello) is located in Lawrence County, Mississippi. Lawrence County contains multiple ZIP codes, see the full list at /counties/lawrence-ms.
What is the population of ZIP code 39654? ▼
ZIP code 39654 in Monticello, MS has a population of 5,635 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 39654? ▼
The median household income in ZIP 39654 is $41,370, which is 46% below the national average of $76,288.
What is the average home value in ZIP 39654? ▼
The median home value in ZIP 39654 is $106,300, which is 62% below the national average of $278,155.
What is the demographic makeup of ZIP 39654? ▼
The largest racial group in ZIP 39654 is White at 59.5%. Hispanic or Latino residents make up 2.2% of the population.
How many businesses are in ZIP code 39654? ▼
ZIP code 39654 has 118 business establishments employing approximately 1,433 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 39654? ▼
The top industries by establishment count in ZIP 39654 are: Retail trade (23), Health care and social assistance (23), Other services (except public administration) (17). There are 10 industry sectors represented in total.
What is the education level in ZIP code 39654? ▼
In ZIP code 39654, 50.5% of residents aged 25+ have a high school diploma or higher, and 15.0% 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 39654? ▼
The mean commute time for workers in ZIP code 39654 is 30.2 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 39654? ▼
In ZIP code 39654, approximately 76.4% of occupied housing units are owner-occupied and 23.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 39654? ▼
The poverty rate in ZIP code 39654 is 23.1% 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.