ZIP code 38632

ZIP 38632 is a small city in DeSoto County, Mississippi, with 30,824 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #14 of 427 ranked by population — larger than 96% of them. The median age here is 39.4 years against 39.1 nationally, a slightly older profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 38632 earn a median of $90,277 a year, 14.9% above the national figure of $78,538. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 5.3% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 38632 is valued at $287,100, 5.4% below the national figure, while median gross rent runs $1,203 a month, 14.4% below the national figure, or roughly $14,436 across a full year. A household on the local median income would put about 16% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 3.2×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 88.3% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 38632 is tabulated inside DeSoto County, Mississippi, one of 8 ZIP areas the Census publishes for that county and 427 across Mississippi. This is a dense urban ZIP, where a single postal boundary can hold more residents than an entire rural county. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 38632 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 38632 reports a median household income of $90,277, close to the $88,080 county median, and 83% above the $49,375 typical MS ZIP. Owner-occupied homes are valued at a median of $287,100, 14% above the county figure and 152% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,203 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Mississippi charges 7% statewide, and local governments overlapping 38632 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 38632 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.