| ZIP Code | 38863 |
|---|---|
| City | Pontotoc |
| State | Mississippi (MS) |
| County | Pontotoc County |
| Area Code | 662 |
| Elevation | 438 ft |
| Latitude | 34.217021 |
|---|---|
| Longitude | -89.027469 |
| Timezone | Chicago (DST) |
| FIPS | 28115 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 36.6 yrs |
|---|---|
| Avg Household Size | 2.64 |
| Below Poverty | 13.1% ▲ 31% above avg |
| College Grads | 36.8% ≈ Avg |
| Unemployment | 3.4% ▼ 30% below avg |
| No HS Diploma | 274 (2.5%) |
| HS Graduate | 3,286 (30.1%) |
| Some College | 1,556 (14.3%) |
| Associates | 1,781 (16.3%) |
| Bachelors | 1,657 (15.2%) |
| Graduate Degree | 2,350 (21.6%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $51,113 ▼ 33% below avg ↑ 15% since 2019 |
|---|---|
| Median Home Value | $138,900 ▼ 50% below avg ↑ 27% since 2019 |
| Home/Income Ratio | 2.7x (nat avg ~3.5x) |
| Median Rent | $882/mo ↑ 22% since 2019 |
| Total Units | 8,394 |
| Vacant Units | 1,344 |
| Avg HH Size | 2.64 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 8,394 |
|---|---|
| Vacant | 1,344 |
| Owner Occupied | 67.6% |
| Renter Occupied | 32.4% |
| Avg HH Size | 2.64 |
ZIP code 38863 is located in Pontotoc, Mississippi, within Pontotoc County. With a population of 18,849, this is a moderately populated ZIP code with a relatively young community — the median age is 36.6 years. Economically, 38863 is a working-class ZIP code: the median household income of $51,113 is below the national average.
Real estate in ZIP code 38863 represents one of the more affordable housing markets in the country. The median home value of $138,900 is well below the national average. Renters can expect to pay around $882 per month in median rent. Homeownership is strong here — 67.6% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 27% since 2019.
The population of 38863 is primarily White (72.06%). Residents are moderately educated — 36.8% hold a bachelor's degree or higher, which is near the national average. Poverty affects some residents at 13.1%. Household income has grown by 15% since 2019.
The unemployment rate in 38863 stands at 3.4%, which is below the national average. As in most parts of the country, driving alone is the dominant commute mode at 86%.
Overall, ZIP code 38863 in Pontotoc, MS is characterized as working-class, moderately educated, a relatively young community, and predominantly owner-occupied. With 18,849 residents, a median household income of $51,113, and a median home value of $138,900, it offers a clear picture of life in this part of Mississippi.