Zip code 38685: Waterford, Mississippi

Q: What city is zip code 38685?

38685 is assigned to Waterford, Mississippi. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 38685 in?

38685 is mostly in Marshall County, but it extends into 1 other county.

Q: What is the population of 38685?

About 1,301 people live in 38685, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 38685?

The median household income in 38685 is $41,210.

Q: What zip codes are near 38685?

The closest zip codes to 38685 are 38601, 38659, 38635, 38634, 38677.

Residential delivery areaMarshall CountyCentral Time

Population

1,301

Median household income

$41K

U.S. $81K

Median home value

$124K

U.S. $333K

Median rent

—

U.S. $1,413

Median age

61.4

U.S. 38.9

Land area

84 sq mi

16 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 38685

38685 is a rural zip code in Waterford, Mississippi (Marshall County), covering 84 sq mi of land. About 1,301 people live here, or 16 per square mile. The median resident is 61.4 years old, compared with 38.9 nationally.

The median household earns $41,210 a year, about 51% of the national median of $80,734. 19.4% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $124,100, or 3.0 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 95% of occupied homes are lived in by their owners.

4% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 16.6 minutes each way, and 0% of workers work from home. The most common jobs among working residents are in sales; construction and repair; and management.

How 38685 compares

Sorted from highest to lowest national percentile

Median age61.4
99th
U.S. 38.9 · MS 38.64th of 405 in MS
Homeownership rate95.1%
99th
StrengthU.S. 65.2% · MS 70%16th of 397 in MS
Residents 65 and older43.4%
99th
U.S. 17.2% · MS 17.2%3rd of 405 in MS
Veterans16%
98th
U.S. 6.2% · MS 6.8%10th of 405 in MS
Income inequality (Gini)0.558
98th
WeaknessU.S. 0.483 · MS 0.48223rd of 393 in MS
Government workers22%
90th
U.S. 14.5% · MS 18.5%127th of 405 in MS
Poverty rate19.4%
83rd
WeaknessU.S. 12.5% · MS 18.9%210th of 398 in MS
Housing vacancy13.4%
83rd
U.S. 10.1% · MS 14.6%257th of 397 in MS
Unemployment rate6.2%
71st
U.S. 5.2% · MS 5.8%153rd of 405 in MS
Uninsured rate7.5%
55th
U.S. 8.4% · MS 11%314th of 403 in MS
Per capita income$37,978
44th
U.S. $44,673 · MS $31,54944th of 405 in MS
Diversity index38.8
34th
U.S. 61.4 · MS 56.1245th of 405 in MS
Tech workers1.8%
29th
U.S. 3.8% · MS 1.4%67th of 405 in MS
Median earnings per worker$40,323
22nd
U.S. $49,666 · MS $40,605165th of 403 in MS
Self-employed workers6.2%
11th
U.S. 10% · MS 9.4%294th of 405 in MS
Median home value$124,100
6th
U.S. $332,700 · MS $169,800175th of 372 in MS
Median household income$41,210
4th
WeaknessU.S. $80,734 · MS $56,447274th of 376 in MS
Average commute16.6 min
3rd
StrengthU.S. 26.4 min · MS 25.6 min378th of 393 in MS
Population1,301
2nd
U.S. 334,922,499 · MS 2,946,779302nd of 405 in MS
Population density16/sq mi
2nd
U.S. 95/sq mi · MS 63/sq mi325th of 405 in MS
Bachelor's degree or higher3.8%
1st
WeaknessU.S. 35.7% · MS 25.1%384th of 403 in MS
Work from home0%
1st
U.S. 15.1% · MS 5.9%372nd of 405 in MS
Broadband access64%
1st
WeaknessU.S. 91% · MS 84.1%355th of 397 in MS
Foreign-born residents0%
1st
U.S. 14.1% · MS 2.4%340th of 405 in MS
Residents under 186.1%
1st
U.S. 22% · MS 23.3%388th of 405 in MS
Healthcare workers0%
1st
U.S. 9.7% · MS 11.1%389th of 405 in MS

Measure	38685	Marshall	MS	U.S.	National percentile	Rank in MS
Median age	61.4	41.9	38.6	38.9	99th	4th of 405
Homeownership rateStrength	95.1%	79.1%	70%	65.2%	99th	16th of 397
Residents 65 and older	43.4%	19%	17.2%	17.2%	99th	3rd of 405
Veterans	16%	5.2%	6.8%	6.2%	98th	10th of 405
Income inequality (Gini)Weakness	0.558	0.469	0.482	0.483	98th	23rd of 393
Government workers	22%	11.4%	18.5%	14.5%	90th	127th of 405
Poverty rateWeakness	19.4%	23%	18.9%	12.5%	83rd	210th of 398
Housing vacancy	13.4%	15%	14.6%	10.1%	83rd	257th of 397
Unemployment rate	6.2%	4.4%	5.8%	5.2%	71st	153rd of 405
Uninsured rate	7.5%	11.8%	11%	8.4%	55th	314th of 403
Per capita income	$37,978	$28,455	$31,549	$44,673	44th	44th of 405
Diversity index	38.8	59.1	56.1	61.4	34th	245th of 405
Tech workers	1.8%	0.3%	1.4%	3.8%	29th	67th of 405
Median earnings per worker	$40,323	$40,242	$40,605	$49,666	22nd	165th of 403
Self-employed workers	6.2%	11.5%	9.4%	10%	11th	294th of 405
Median home value	$124,100	$167,900	$169,800	$332,700	6th	175th of 372
Median household incomeWeakness	$41,210	$53,458	$56,447	$80,734	4th	274th of 376
Average commuteStrength	16.6 min	29.2 min	25.6 min	26.4 min	3rd	378th of 393
Population	1,301	33,979	2,946,779	334,922,499	2nd	302nd of 405
Population density	16/sq mi	48/sq mi	63/sq mi	95/sq mi	2nd	325th of 405
Bachelor's degree or higherWeakness	3.8%	14.6%	25.1%	35.7%	1st	384th of 403
Work from home	0%	3.5%	5.9%	15.1%	1st	372nd of 405
Broadband accessWeakness	64%	80%	84.1%	91%	1st	355th of 397
Foreign-born residents	0%	2.8%	2.4%	14.1%	1st	340th of 405
Residents under 18	6.1%	20.8%	23.3%	22%	1st	388th of 405
Healthcare workers	0%	7.4%	11.1%	9.7%	1st	389th of 405

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

5–17

18–24

25–34

35–44

20%

45–54

14%

55–64

16%

65–74

27%

75+

Median age

61.4

Under 18

6.1%

65 and over

43.4%

Race and ethnicity

White74%
Black25%
Hispanic0.6%
Asian0%
Native American0%
Pacific Islander0%
Other0%
Multiracial0%

Diversity index

38.8

U.S. 61.4

Foreign-born

U.S. 14.1%

Born in state

49.2%

Language spoken at home (households)

English only

99%

Spanish

Other Indo-European

Asian / Pacific

Other

Households

Households: 586
Average household size: 2.2
Family households: 81.1%
Married couples: 68.3%
Living alone: 18.9%
Veterans (of adults): 16%
Male / female: 52% / 48%

Income and poverty

Household income distribution

<$25k

26%

$25–50k

33%

$50–75k

16%

$75–100k

$100–150k

$150–200k

$200k+

18%

Median household income

38685

$41,210

Marshall Co.

$53,458

Mississippi

$56,447

United States

$80,734

Per capita income

$37,978

U.S. $44,673

Poverty rate

19.4%

U.S. 12.5%

Households earning $150K+

18.1%

U.S. 23%

Income inequality (Gini)

0.558

U.S. 0.483

Housing

Median home value

38685

$124,100

Marshall Co.

$167,900

Mississippi

$169,800

United States

$332,700

Median gross rent

38685

—

Marshall Co.

$868

Mississippi

$954

United States

$1,413

Types of housing

Single-family

78%

2–4 units

5–19 units

20+ units

Mobile home

21%

Boat, RV, van

Housing units: 677
Owner-occupied: 95.1%
Vacant: 13.4%
Median year built: 1986
Median rooms: 6.2
Renters paying 30%+ of income: —
Renters paying 50%+ of income: —
Home value to income: 3.0× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

89%

Carpooled

Transit

Walked

Bicycle

Worked from home

Other

Commute time (one way)

<10 min

44%

10–19

20–29

32%

30–44

15%

45–59

60+

Average commute

16.6 min

U.S. 26.4 min

Unemployment

6.2%

U.S. 5.2%

In labor force

39.4%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Sales

27%

Construction and repair

26%

Management

25%

Transportation and moving

10%

Engineering and science

Education

Production

Computer and math

Business and finance

Legal and social services

Arts, media and sports

Healthcare

Police and fire

Food service

Cleaning and personal care

Office and admin

Farming, fishing and forestry

Industries

Manufacturing

32%

Education

25%

Retail

16%

Restaurants and hotels

Construction

Professional and technical services

Finance, insurance and real estate

Transportation, warehousing and utilities

Health care and social assistance

Public administration

Admin, support and management

Other services

Wholesale

Information

Arts and recreation

Agriculture and mining

Median earnings per worker

$40,323

U.S. $49,666

Self-employed

6.2%

U.S. 10%

Government workers

22%

U.S. 14.5%

Nonprofit workers

5.3%

U.S. 8.8%

Median earnings by type of work

Type of work	38685	U.S.
Management, business, science and arts	$183,196	$74,888
Service	—	$26,804
Sales and office	$9,563	$40,476
Construction and maintenance	$40,887	$49,199
Production and transportation	$24,154	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

22%

High school

49%

Some college

23%

Associate's

Bachelor's

0.5%

Graduate

High school graduate or higher: 77.6%
Bachelor's degree or higher: 3.8%
Graduate or professional degree: 3.3%
Households with broadband: 64%
Cable, fiber or DSL: 34%
No internet access: 36%
Without health insurance: 7.5%
Limited-English households: 0%

Geography

City (USPS): Waterford
State: Mississippi
County: Marshall County
Center point: 34.5931° N, 89.4885° W
Land area: 84 sq mi
Water area: 1.6 sq mi
Time zone: Central Time (UTC-6, UTC-5 in summer)
Zip type: Residential delivery area

38685 spans 2 counties

Marshall County94% of land
Lafayette County6% of land

Zip codes near 38685

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
38601	Abbeville, MS	8.2 mi	2,507	$47,941	$190,000
38659	Potts Camp, MS	9.1 mi	1,999	$39,593	$85,800
38635	Holly Springs, MS	12 mi	15,503	$55,625	$148,900
38634	Holly Springs, MS · PO box	12 mi	—	—	—
38677	University, MS	16 mi	5,395	—	—
38675	Tula, MS · PO box	16 mi	—	—	—
38633	Hickory Flat, MS	17 mi	2,212	$33,029	$106,200
38627	Etta, MS	17 mi	1,145	$62,826	$149,200
38655	Oxford, MS	18 mi	46,156	$68,235	$340,000
38619	Como, MS	20 mi	5,366	$35,379	$142,000
38650	Myrtle, MS	20 mi	4,599	$65,000	$184,900
38661	Red Banks, MS	20 mi	2,126	$69,276	$227,300

Questions about 38685

What city is zip code 38685?

38685 is assigned to Waterford, Mississippi. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 38685 in?

38685 is mostly in Marshall County, but it extends into 1 other county.

What is the population of 38685?

About 1,301 people live in 38685, according to the Census Bureau's American Community Survey.

What time zone is 38685 in?

38685 is in Central Time.

What is the median household income in 38685?

The median household income in 38685 is $41,210.

What zip codes are near 38685?

The closest zip codes to 38685 are 38601, 38659, 38635, 38634, 38677.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 38685, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.