Zip code 39654: Monticello, Mississippi

Q: What city is zip code 39654?

39654 is assigned to Monticello, Mississippi. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 39654 in?

39654 is mostly in Lawrence County, but it extends into 1 other county.

Q: What is the population of 39654?

About 4,604 people live in 39654, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 39654?

The median household income in 39654 is $41,370.

Q: What zip codes are near 39654?

The closest zip codes to 39654 are 39663, 39665, 39641, 39662, 39656.

Residential delivery areaLawrence CountyCentral Time

Population

4,604

Median household income

$41K

U.S. $81K

Median home value

$106K

U.S. $333K

Median rent

$567/mo

U.S. $1,413

Median age

40.7

U.S. 38.9

Land area

152 sq mi

30 people/sq mi

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

About 39654

39654 is a rural zip code in Monticello, Mississippi (Lawrence County), covering 152 sq mi of land. About 4,604 people live here, or 30 per square mile. The median resident is 40.7 years old, compared with 38.9 nationally.

The median household earns $41,370 a year, about 51% of the national median of $80,734. 23.1% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $106,300, or 2.6 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 76% of occupied homes are lived in by their owners, and renters pay a median of $567 a month.

15% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 30.2 minutes each way, and 2% of workers work from home. The most common jobs among working residents are in sales; transportation and moving goods; and office and administrative support.

How 39654 compares

Sorted from highest to lowest national percentile

Unemployment rate16%
99th
WeaknessU.S. 5.2% · MS 5.8%33rd of 405 in MS
Housing vacancy29%
98th
U.S. 10.1% · MS 14.6%36th of 397 in MS
Income inequality (Gini)0.507
91st
WeaknessU.S. 0.483 · MS 0.48271st of 393 in MS
Poverty rate23.1%
90th
WeaknessU.S. 12.5% · MS 18.9%156th of 398 in MS
Uninsured rate15.1%
89th
WeaknessU.S. 8.4% · MS 11%87th of 403 in MS
Residents 65 and older21.2%
80th
U.S. 17.2% · MS 17.2%112th of 405 in MS
Average commute30.2 min
75th
U.S. 26.4 min · MS 25.6 min131st of 393 in MS
Homeownership rate76.4%
70th
U.S. 65.2% · MS 70%201st of 397 in MS
Government workers16.4%
68th
U.S. 14.5% · MS 18.5%237th of 405 in MS
Median age40.7
63rd
U.S. 38.9 · MS 38.6164th of 405 in MS
Diversity index52.1
55th
U.S. 61.4 · MS 56.1103rd of 405 in MS
Rent-burdened renters51.9%
55th
U.S. 51.1% · MS 51.3%155th of 377 in MS
Residents under 1822.6%
55th
U.S. 22% · MS 23.3%228th of 405 in MS
Self-employed workers8.7%
42nd
U.S. 10% · MS 9.4%199th of 405 in MS
Veterans4.2%
28th
U.S. 6.2% · MS 6.8%268th of 405 in MS
Healthcare workers7.5%
21st
U.S. 9.7% · MS 11.1%272nd of 405 in MS
Median earnings per worker$39,792
20th
WeaknessU.S. $49,666 · MS $40,605177th of 403 in MS
Per capita income$25,949
10th
WeaknessU.S. $44,673 · MS $31,549242nd of 405 in MS
Bachelor's degree or higher15%
10th
WeaknessU.S. 35.7% · MS 25.1%246th of 403 in MS
Tech workers0.8%
10th
U.S. 3.8% · MS 1.4%152nd of 405 in MS
Population4,604
7th
U.S. 334,922,499 · MS 2,946,779162nd of 405 in MS
Population density30/sq mi
4th
U.S. 95/sq mi · MS 63/sq mi223rd of 405 in MS
Median household income$41,370
4th
WeaknessU.S. $80,734 · MS $56,447271st of 376 in MS
Median home value$106,300
3rd
U.S. $332,700 · MS $169,800218th of 372 in MS
Broadband access77.8%
3rd
WeaknessU.S. 91% · MS 84.1%230th of 397 in MS
Median gross rent$567
1st
U.S. $1,413 · MS $954279th of 319 in MS
Work from home1.7%
1st
U.S. 15.1% · MS 5.9%274th of 405 in MS
Foreign-born residents0%
1st
U.S. 14.1% · MS 2.4%346th of 405 in MS

Measure	39654	Lawrence	MS	U.S.	National percentile	Rank in MS
Unemployment rateWeakness	16%	9.2%	5.8%	5.2%	99th	33rd of 405
Housing vacancy	29%	23.8%	14.6%	10.1%	98th	36th of 397
Income inequality (Gini)Weakness	0.507	0.514	0.482	0.483	91st	71st of 393
Poverty rateWeakness	23.1%	23.7%	18.9%	12.5%	90th	156th of 398
Uninsured rateWeakness	15.1%	12.4%	11%	8.4%	89th	87th of 403
Residents 65 and older	21.2%	19.6%	17.2%	17.2%	80th	112th of 405
Average commute	30.2 min	34.2 min	25.6 min	26.4 min	75th	131st of 393
Homeownership rate	76.4%	83.5%	70%	65.2%	70th	201st of 397
Government workers	16.4%	16.6%	18.5%	14.5%	68th	237th of 405
Median age	40.7	41	38.6	38.9	63rd	164th of 405
Diversity index	52.1	49.6	56.1	61.4	55th	103rd of 405
Rent-burdened renters	51.9%	59.4%	51.3%	51.1%	55th	155th of 377
Residents under 18	22.6%	24.4%	23.3%	22%	55th	228th of 405
Self-employed workers	8.7%	8.9%	9.4%	10%	42nd	199th of 405
Veterans	4.2%	4.6%	6.8%	6.2%	28th	268th of 405
Healthcare workers	7.5%	8%	11.1%	9.7%	21st	272nd of 405
Median earnings per workerWeakness	$39,792	$36,528	$40,605	$49,666	20th	177th of 403
Per capita incomeWeakness	$25,949	$26,221	$31,549	$44,673	10th	242nd of 405
Bachelor's degree or higherWeakness	15%	13.2%	25.1%	35.7%	10th	246th of 403
Tech workers	0.8%	0.3%	1.4%	3.8%	10th	152nd of 405
Population	4,604	11,786	2,946,779	334,922,499	7th	162nd of 405
Population density	30/sq mi	27/sq mi	63/sq mi	95/sq mi	4th	223rd of 405
Median household incomeWeakness	$41,370	$43,531	$56,447	$80,734	4th	271st of 376
Median home value	$106,300	$100,000	$169,800	$332,700	3rd	218th of 372
Broadband accessWeakness	77.8%	75.6%	84.1%	91%	3rd	230th of 397
Median gross rent	$567	$753	$954	$1,413	1st	279th of 319
Work from home	1.7%	1%	5.9%	15.1%	1st	274th of 405
Foreign-born residents	0%	0.1%	2.4%	14.1%	1st	346th 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

25–34

15%

35–44

14%

45–54

55–64

12%

65–74

75+

Median age

40.7

Under 18

22.6%

65 and over

21.2%

Race and ethnicity

White59%
Black35%
Hispanic2%
Asian0.1%
Native American0.3%
Pacific Islander0%
Other0%
Multiracial3%

Diversity index

52.1

U.S. 61.4

Foreign-born

U.S. 14.1%

Born in state

81.8%

Language spoken at home (households)

English only

97%

Spanish

Other Indo-European

Asian / Pacific

Other

Households

Households: 1,765
Average household size: 2.6
Family households: 67.3%
Married couples: 48.4%
Living alone: 28.4%
Veterans (of adults): 4.2%
Male / female: 44% / 56%

Income and poverty

Household income distribution

<$25k

32%

$25–50k

28%

$50–75k

15%

$75–100k

$100–150k

$150–200k

$200k+

Median household income

39654

$41,370

Lawrence Co.

$43,531

Mississippi

$56,447

United States

$80,734

Per capita income

$25,949

U.S. $44,673

Poverty rate

23.1%

U.S. 12.5%

Households earning $150K+

8.7%

U.S. 23%

Income inequality (Gini)

0.507

U.S. 0.483

Housing

Median home value

39654

$106,300

Lawrence Co.

$100,000

Mississippi

$169,800

United States

$332,700

Median gross rent

39654

$567

Lawrence Co.

$753

Mississippi

$954

United States

$1,413

Types of housing

Single-family

71%

2–4 units

5–19 units

20+ units

Mobile home

22%

Boat, RV, van

Housing units: 2,487
Owner-occupied: 76.4%
Vacant: 29%
Median year built: 1980
Median rooms: 5.5
Renters paying 30%+ of income: 51.9%
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

88%

Carpooled

10%

Transit

Walked

0.5%

Bicycle

Worked from home

Other

Commute time (one way)

<10 min

32%

10–19

13%

20–29

30–44

23%

45–59

60+

19%

Average commute

30.2 min

U.S. 26.4 min

Unemployment

16%

U.S. 5.2%

In labor force

48%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Sales

16%

Transportation and moving

14%

Office and admin

10%

Production

Management

Healthcare

Education

Farming, fishing and forestry

Construction and repair

Legal and social services

Cleaning and personal care

Food service

Business and finance

Police and fire

Computer and math

0.8%

Engineering and science

0.3%

Arts, media and sports

0.1%

Industries

Manufacturing

20%

Retail

17%

Health care and social assistance

Agriculture and mining

Transportation, warehousing and utilities

Education

Finance, insurance and real estate

Public administration

Construction

Restaurants and hotels

Professional and technical services

Admin, support and management

Other services

Information

Arts and recreation

0.1%

Wholesale

Median earnings per worker

$39,792

U.S. $49,666

Self-employed

8.7%

U.S. 10%

Government workers

16.4%

U.S. 14.5%

Nonprofit workers

0.4%

U.S. 8.8%

Median earnings by type of work

Type of work	39654	U.S.
Management, business, science and arts	$52,083	$74,888
Service	$22,784	$26,804
Sales and office	$32,468	$40,476
Construction and maintenance	$36,146	$49,199
Production and transportation	$40,333	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

20%

High school

36%

Some college

21%

Associate's

Bachelor's

Graduate

High school graduate or higher: 79.8%
Bachelor's degree or higher: 15%
Graduate or professional degree: 7.4%
Households with broadband: 77.8%
Cable, fiber or DSL: 41.9%
No internet access: 19.4%
Without health insurance: 15.1%
Limited-English households: 0%

Geography

City (USPS): Monticello
State: Mississippi
County: Lawrence County
Center point: 31.5410° N, 90.1490° W
Land area: 152 sq mi
Water area: 1.8 sq mi
Time zone: Central Time (UTC-6, UTC-5 in summer)
Zip type: Residential delivery area

39654 spans 2 counties

Lawrence County97% of land
Lincoln County3% of land

Cities and towns within this zip

Monticello3% of zip

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

Zip codes near 39654

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
39663	Silver Creek, MS	7.5 mi	2,465	$46,484	$84,500
39665	Sontag, MS	7.9 mi	755	$32,875	—
39641	Jayess, MS	13 mi	6,769	$65,010	$119,800
39662	Ruth, MS	13 mi	1,446	—	$76,600
39656	Oak Vale, MS	14 mi	679	$41,786	$155,500
39140	Newhebron, MS	16 mi	2,352	$43,938	$109,400
39603	Brookhaven, MS · PO box	18 mi	—	—	—
39474	Prentiss, MS	18 mi	6,099	$35,586	$84,600
39427	Carson, MS	19 mi	799	$31,860	$52,200
39601	Brookhaven, MS	19 mi	23,583	$43,936	$156,700
39629	Bogue Chitto, MS	20 mi	5,999	$68,724	$136,100
39191	Wesson, MS	20 mi	8,378	$56,883	$127,900

Zip codes like 39654 elsewhere

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

Questions about 39654

What city is zip code 39654?

39654 is assigned to Monticello, Mississippi. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 39654 in?

39654 is mostly in Lawrence County, but it extends into 1 other county.

What is the population of 39654?

About 4,604 people live in 39654, according to the Census Bureau's American Community Survey.

What time zone is 39654 in?

39654 is in Central Time.

What is the median household income in 39654?

The median household income in 39654 is $41,370.

What zip codes are near 39654?

The closest zip codes to 39654 are 39663, 39665, 39641, 39662, 39656.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 39654, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.