Zip code 38965: Water Valley, Mississippi

Q: What city is zip code 38965?

38965 is assigned to Water Valley, Mississippi. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 38965 in?

38965 is mostly in Yalobusha County, but it extends into 3 other counties.

Q: What is the population of 38965?

About 8,963 people live in 38965, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 38965?

The median household income in 38965 is $58,258.

Q: What zip codes are near 38965?

The closest zip codes to 38965 are 38949, 38673, 38913, 38915, 38922.

Residential delivery areaYalobusha CountyCentral Time

Population

8,963

Median household income

$58K

U.S. $81K

Median home value

$153K

U.S. $333K

Median rent

$645/mo

U.S. $1,413

Median age

39.5

U.S. 38.9

Land area

252 sq mi

36 people/sq mi

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

About 38965

38965 is a rural zip code in Water Valley, Mississippi (Yalobusha County), covering 252 sq mi of land. About 8,963 people live here, or 36 per square mile. The median resident is 39.5 years old, compared with 38.9 nationally.

The median household earns $58,258 a year, 28% below the national median of $80,734. 18.9% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $153,100, or 2.6 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 73% of occupied homes are lived in by their owners, and renters pay a median of $645 a month.

20% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 28.2 minutes each way, and 7% of workers work from home. The most common jobs among working residents are in healthcare; construction and repair; and office and administrative support.

How 38965 compares

Sorted from highest to lowest national percentile

Healthcare workers14.8%
94th
U.S. 9.7% · MS 11.1%79th of 405 in MS
Housing vacancy17.4%
90th
U.S. 10.1% · MS 14.6%176th of 397 in MS
Self-employed workers13.3%
84th
U.S. 10% · MS 9.4%73rd of 405 in MS
Poverty rate18.9%
82nd
WeaknessU.S. 12.5% · MS 18.9%214th of 398 in MS
Residents 65 and older20.2%
75th
U.S. 17.2% · MS 17.2%138th of 405 in MS
Government workers17.2%
73rd
U.S. 14.5% · MS 18.5%218th of 405 in MS
Uninsured rate10%
71st
U.S. 8.4% · MS 11%231st of 403 in MS
Average commute28.2 min
64th
U.S. 26.4 min · MS 25.6 min176th of 393 in MS
Homeownership rate72.9%
61st
U.S. 65.2% · MS 70%237th of 397 in MS
Veterans6.6%
61st
U.S. 6.2% · MS 6.8%141st of 405 in MS
Residents under 1822.8%
57th
U.S. 22% · MS 23.3%219th of 405 in MS
Median age39.5
53rd
U.S. 38.9 · MS 38.6201st of 405 in MS
Income inequality (Gini)0.439
53rd
U.S. 0.483 · MS 0.482219th of 393 in MS
Diversity index49.4
51st
U.S. 61.4 · MS 56.1150th of 405 in MS
Rent-burdened renters43.1%
23rd
U.S. 51.1% · MS 51.3%218th of 377 in MS
Tech workers1.5%
23rd
U.S. 3.8% · MS 1.4%90th of 405 in MS
Median earnings per worker$39,525
20th
WeaknessU.S. $49,666 · MS $40,605181st of 403 in MS
Bachelor's degree or higher19.6%
19th
WeaknessU.S. 35.7% · MS 25.1%177th of 403 in MS
Median household income$58,258
18th
WeaknessU.S. $80,734 · MS $56,447131st of 376 in MS
Work from home7.3%
18th
U.S. 15.1% · MS 5.9%92nd of 405 in MS
Per capita income$29,162
17th
WeaknessU.S. $44,673 · MS $31,549158th of 405 in MS
Population8,963
14th
U.S. 334,922,499 · MS 2,946,779108th of 405 in MS
Median home value$153,100
10th
U.S. $332,700 · MS $169,800122nd of 372 in MS
Unemployment rate2.5%
10th
StrengthU.S. 5.2% · MS 5.8%306th of 405 in MS
Broadband access81.5%
6th
WeaknessU.S. 91% · MS 84.1%169th of 397 in MS
Population density36/sq mi
5th
U.S. 95/sq mi · MS 63/sq mi202nd of 405 in MS
Median gross rent$645
2nd
U.S. $1,413 · MS $954252nd of 319 in MS
Foreign-born residents0.4%
2nd
U.S. 14.1% · MS 2.4%239th of 405 in MS

Measure	38965	Yalobusha	MS	U.S.	National percentile	Rank in MS
Healthcare workers	14.8%	13.2%	11.1%	9.7%	94th	79th of 405
Housing vacancy	17.4%	23.2%	14.6%	10.1%	90th	176th of 397
Self-employed workers	13.3%	14.1%	9.4%	10%	84th	73rd of 405
Poverty rateWeakness	18.9%	21.5%	18.9%	12.5%	82nd	214th of 398
Residents 65 and older	20.2%	21.9%	17.2%	17.2%	75th	138th of 405
Government workers	17.2%	16.2%	18.5%	14.5%	73rd	218th of 405
Uninsured rate	10%	11.5%	11%	8.4%	71st	231st of 403
Average commute	28.2 min	30.5 min	25.6 min	26.4 min	64th	176th of 393
Homeownership rate	72.9%	69.3%	70%	65.2%	61st	237th of 397
Veterans	6.6%	7.1%	6.8%	6.2%	61st	141st of 405
Residents under 18	22.8%	21.9%	23.3%	22%	57th	219th of 405
Median age	39.5	42.6	38.6	38.9	53rd	201st of 405
Income inequality (Gini)	0.439	0.454	0.482	0.483	53rd	219th of 393
Diversity index	49.4	53.4	56.1	61.4	51st	150th of 405
Rent-burdened renters	43.1%	43.3%	51.3%	51.1%	23rd	218th of 377
Tech workers	1.5%	1%	1.4%	3.8%	23rd	90th of 405
Median earnings per workerWeakness	$39,525	$38,035	$40,605	$49,666	20th	181st of 403
Bachelor's degree or higherWeakness	19.6%	15.6%	25.1%	35.7%	19th	177th of 403
Median household incomeWeakness	$58,258	$49,151	$56,447	$80,734	18th	131st of 376
Work from home	7.3%	7.9%	5.9%	15.1%	18th	92nd of 405
Per capita incomeWeakness	$29,162	$27,106	$31,549	$44,673	17th	158th of 405
Population	8,963	12,419	2,946,779	334,922,499	14th	108th of 405
Median home value	$153,100	$122,300	$169,800	$332,700	10th	122nd of 372
Unemployment rateStrength	2.5%	5.9%	5.8%	5.2%	10th	306th of 405
Broadband accessWeakness	81.5%	81%	84.1%	91%	6th	169th of 397
Population density	36/sq mi	27/sq mi	63/sq mi	95/sq mi	5th	202nd of 405
Median gross rent	$645	$667	$954	$1,413	2nd	252nd of 319
Foreign-born residents	0.4%	0.4%	2.4%	14.1%	2nd	239th 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

15%

5–17

18–24

13%

25–34

12%

35–44

45–54

15%

55–64

12%

65–74

75+

Median age

39.5

Under 18

22.8%

65 and over

20.2%

Race and ethnicity

White65%
Black29%
Hispanic2%
Asian0.0%
Native American0.5%
Pacific Islander0%
Other0%
Multiracial4%

Diversity index

49.4

U.S. 61.4

Foreign-born

0.4%

U.S. 14.1%

Born in state

73.8%

Language spoken at home (households)

English only

96%

Spanish

Other Indo-European

Asian / Pacific

Other

Households

Households: 3,403
Average household size: 2.6
Family households: 67.7%
Married couples: 46%
Living alone: 27.7%
Veterans (of adults): 6.6%
Male / female: 49% / 51%

Income and poverty

Household income distribution

<$25k

23%

$25–50k

23%

$50–75k

17%

$75–100k

12%

$100–150k

12%

$150–200k

$200k+

Median household income

38965

$58,258

Yalobusha Co.

$49,151

Mississippi

$56,447

United States

$80,734

Per capita income

$29,162

U.S. $44,673

Poverty rate

18.9%

U.S. 12.5%

Households earning $150K+

12.7%

U.S. 23%

Income inequality (Gini)

0.439

U.S. 0.483

Housing

Median home value

38965

$153,100

Yalobusha Co.

$122,300

Mississippi

$169,800

United States

$332,700

Median gross rent

38965

$645

Yalobusha Co.

$667

Mississippi

$954

United States

$1,413

Types of housing

Single-family

65%

2–4 units

5–19 units

20+ units

0.9%

Mobile home

24%

Boat, RV, van

0.3%

Housing units: 4,118
Owner-occupied: 72.9%
Vacant: 17.4%
Median year built: 1981
Median rooms: 5.7
Renters paying 30%+ of income: 43.1%
Renters paying 50%+ of income: 14.8%
Home value to income: 2.6× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

85%

Carpooled

Transit

Walked

0.5%

Bicycle

Worked from home

Other

0.4%

Commute time (one way)

<10 min

17%

10–19

21%

20–29

13%

30–44

37%

45–59

60+

11%

Average commute

28.2 min

U.S. 26.4 min

Unemployment

2.5%

U.S. 5.2%

In labor force

57.3%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Healthcare

15%

Construction and repair

11%

Office and admin

11%

Management

10%

Production

Cleaning and personal care

Transportation and moving

Education

Food service

Legal and social services

Sales

Police and fire

Engineering and science

Computer and math

Business and finance

Arts, media and sports

0.6%

Farming, fishing and forestry

0.3%

Industries

Health care and social assistance

20%

Manufacturing

14%

Education

11%

Construction

11%

Retail

Restaurants and hotels

Professional and technical services

Transportation, warehousing and utilities

Other services

Public administration

Admin, support and management

Finance, insurance and real estate

Agriculture and mining

Wholesale

0.1%

Information

Arts and recreation

Median earnings per worker

$39,525

U.S. $49,666

Self-employed

13.3%

U.S. 10%

Government workers

17.2%

U.S. 14.5%

Nonprofit workers

6.8%

U.S. 8.8%

Median earnings by type of work

Type of work	38965	U.S.
Management, business, science and arts	$59,615	$74,888
Service	$24,826	$26,804
Sales and office	$30,511	$40,476
Construction and maintenance	$41,223	$49,199
Production and transportation	$42,750	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

14%

High school

33%

Some college

23%

Associate's

10%

Bachelor's

11%

Graduate

High school graduate or higher: 86.4%
Bachelor's degree or higher: 19.6%
Graduate or professional degree: 8.3%
Households with broadband: 81.5%
Cable, fiber or DSL: 54.8%
No internet access: 17.3%
Without health insurance: 10%
Limited-English households: 0%

Geography

City (USPS): Water Valley
State: Mississippi
County: Yalobusha County
Center point: 34.1350° N, 89.5909° W
Land area: 252 sq mi
Water area: 9 sq mi
Time zone: Central Time (UTC-6, UTC-5 in summer)
Zip type: Residential delivery area

38965 spans 4 counties

Yalobusha County58% of land
Lafayette County22% of land
Calhoun County16% of land
Panola County4% of land

Cities and towns within this zip

Water Valley3% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 38965

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
38949	Paris, MS	9.8 mi	287	—	$308,600
38673	Taylor, MS	11 mi	1,056	$92,350	—
38913	Banner, MS	12 mi	509	$21,387	$158,700
38915	Bruce, MS	13 mi	3,402	$44,375	$99,300
38922	Coffeeville, MS	14 mi	3,296	$36,473	$104,400
38655	Oxford, MS	15 mi	46,156	$68,235	$340,000
38677	University, MS	16 mi	5,395	—	—
38675	Tula, MS · PO box	17 mi	—	—	—
38948	Oakland, MS	18 mi	1,818	$29,400	$86,200
38658	Pope, MS	18 mi	2,124	$78,125	$115,900
38914	Big Creek, MS	20 mi	534	$46,250	$62,700
38620	Courtland, MS	20 mi	3,386	$45,539	$105,800

Zip codes like 38965 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 38965

What city is zip code 38965?

38965 is assigned to Water Valley, Mississippi. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 38965 in?

38965 is mostly in Yalobusha County, but it extends into 3 other counties.

What is the population of 38965?

About 8,963 people live in 38965, according to the Census Bureau's American Community Survey.

What time zone is 38965 in?

38965 is in Central Time.

What is the median household income in 38965?

The median household income in 38965 is $58,258.

What zip codes are near 38965?

The closest zip codes to 38965 are 38949, 38673, 38913, 38915, 38922.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 38965, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.