| ZIP Code | 39654 |
|---|---|
| City | Monticello |
| State | Mississippi (MS) |
| County | Lawrence County |
| Area Code | 601/769 |
| Elevation | 377 ft |
| Latitude | 31.54103 |
|---|---|
| Longitude | -90.148993 |
| Timezone | Chicago (DST) |
| FIPS | 28077 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 39.0 yrs ↑ 3% since 2019 |
|---|---|
| Avg Household Size | 2.65 |
| Below Poverty | 21.4% ▲ 114% above avg |
| College Grads | 28.0% ▼ 28% below avg |
| Unemployment | 20.6% ▲ 321% above avg |
| No HS Diploma | 116 (4.4%) |
| HS Graduate | 957 (35.9%) |
| Some College | 296 (11.1%) |
| Associates | 549 (20.6%) |
| Bachelors | 320 (12%) |
| Graduate Degree | 427 (16%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $41,053 ▼ 46% below avg ↑ 20% since 2019 |
|---|---|
| Median Home Value | $108,800 ▼ 61% below avg ↑ 8% since 2019 |
| Home/Income Ratio | 2.7x (nat avg ~3.5x) |
| Median Rent | $711/mo ↑ 2% since 2019 |
| Total Units | 2,487 |
| Vacant Units | 769 |
| Avg HH Size | 2.65 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 2,487 |
|---|---|
| Vacant | 769 |
| Owner Occupied | 76.4% |
| Renter Occupied | 23.6% |
| Avg HH Size | 2.65 |
ZIP code 39654 is located in Monticello, Mississippi, within Lawrence County. With a population of 4,589, this is a lightly populated ZIP code with a middle-aged community — the median age is 39 years. Economically, 39654 is a working-class ZIP code: the median household income of $41,053 is below the national average.
Real estate in ZIP code 39654 represents one of the more affordable housing markets in the country. The median home value of $108,800 is well below the national average. Renters can expect to pay around $711 per month in median rent. Homeownership is strong here — 76.4% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 8% since 2019.
The population of 39654 is majority White (61.97%). Residents are moderately educated — 28.0% hold a bachelor's degree or higher, which is below the national average. Poverty affects a significant share of residents at 21.4%. Household income has grown by 20% since 2019.
The unemployment rate in 39654 stands at 20.6%, which is more than double the national average. As in most parts of the country, driving alone is the dominant commute mode at 95%.
Overall, ZIP code 39654 in Monticello, MS is characterized as working-class, moderately educated, a middle-aged community, and predominantly owner-occupied. With 4,589 residents, a median household income of $41,053, and a median home value of $108,800, it offers a clear picture of life in this part of Mississippi.