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Union County · Mississippi

ZIP code 38652

Population, income, housing costs and the sales tax rate charged on purchases inside ZIP 38652 — Census 2019-2023 ACS 5-year, no modelled estimates.
Population
15,540

ZCTA residents

Median income
$54,321

Household, past 12 months

Median home
$162,400

Owner-occupied value

Sales tax
7%

Mississippi state rate

Quick answer

ZIP 38652 sits in Union County, Mississippi and is home to 15,540 people. Median household income is $54,321, the median home is worth $162,400 and median gross rent is $918. 71.1% of households own their home, and purchases are taxed at 7% (Mississippi state rate).

County
Union County

FIPS 28145

State
Mississippi (MS)

427 ZIPs covered

Area codes
Not published

No NANPA match for this ZIP

Metro area
Outside covered metros

Rate jurisdiction used for tax

The numbers for 38652

American Community Survey 2019-2023 ACS 5-year estimates for this ZCTA.

Population
15,540ZIP 38652 residents
Median household income
$54,321Past 12 months, inflation adjusted
Median home value
$162,400Owner-occupied units
Median gross rent
$918Rent plus utilities, monthly
Median age
38.1 yrsAll residents
Homeownership rate
71.1%Owner-occupied households

ZIP 38652 in context

How this area compares with national benchmarks.

ZIP 38652 is a mid-size town in Union County, Mississippi, with 15,540 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #61 of 427 ranked by population — larger than 85% of them. The median age here is 38.1 years against 39.1 nationally, a slightly younger 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 38652 earn a median of $54,321 a year, 30.8% below the national figure of $78,538. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 16% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 38652 is valued at $162,400, 46.5% below the national figure, while median gross rent runs $918 a month, 34.7% below the national figure, or roughly $11,016 across a full year. A household on the local median income would put about 20.3% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 3×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 71.1% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

All values below were released by the Census for this exact geography, with no gap-filling on our side. 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.

Reading ZIP 38652 in context

How 38652 sits inside Union County and Mississippi.

ZIP 38652 is tabulated inside Union County, Mississippi, one of 3 ZIP areas the Census publishes for that county and 427 across Mississippi. This is a mid-sized ZIP that covers a large share of its county's addresses. 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 38652 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 38652 reports a median household income of $54,321, close to the $54,507 county median, and 10% above the $49,375 typical MS ZIP. Owner-occupied homes are valued at a median of $162,400, close to the county figure and 43% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $918 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 38652 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 38652 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.

Sales tax in 38652

What a purchase inside this ZIP costs at checkout.

Rate applied
7%State base rate only
Tax on $100
$7Rounded to the dollar
Tax on $1,000
$70Before any exemptions

Mississippi levies 7% statewide, and counties, cities and special districts inside this ZIP can add their own local rate on top. Check the county page for the local component before you quote a price.

Affordability in this ZIP

Derived from the Census medians above — indicative, not an offer.

Rent burden
20%Median rent ÷ median income
Price-to-income
3.0×Home value ÷ household income
Est. mortgage
$843/mo20% down, 30-yr at 6.75%
Poverty rate
16%Residents below poverty line

A rent burden above 30% is the federal threshold for cost-burdened households, and a price-to-income multiple above 4× is generally considered a stretched housing market. The mortgage figure is principal and interest only — taxes, insurance and HOA dues are extra.

How 38652 compares

ZIP 38652 against the median ZIP in Union County and across Mississippi.

MeasureZIP 38652County medianState medianvs state
Median household income$54,321$54,507$49,375+10%
Median home value$162,400$162,400$113,850+43%
Median gross rent$918$894$795+15%
Population15,5405,0722,742+467%

Medians are computed across the 3 ZIP areas in Union County and the 427 ZIP areas in Mississippi.

Statewide rank

Where this ZIP places among all 427 Mississippi ZIP areas.

Income

richer than 61% of 379 state ZIPs

#148
Home value

above 77% of 378 state ZIPs

#87
Population

larger than 86% of 427 state ZIPs

#61

Comparable ZIP codes

Mississippi ZIP areas with almost the same household income.

ZIPCountyIncomeHome valueRent
38611Marshall County$54,198$206,500$1,185
38828Union County$54,507$144,500$894
38618Tate County$54,128$139,600$1,032
39531Harrison County$54,599$193,700$1,066
38841Pontotoc County$54,684$180,600$841
38725Bolivar County$54,750$74,600$495

Nearby ZIP codes

Other ZIP codes filed under Union County.

Adjacent ZIP Codes

Other ZIP codes in Union County, Mississippi.

ZIP 38652 questions

Common questions about this ZIP code.

Where is ZIP code 38652?
ZIP 38652 lies mostly in Union County, Mississippi. County assignment follows the largest share of land area, so a ZIP straddling a county line is filed under its dominant county.
What sales tax do I pay in 38652?
Mississippi charges 7% statewide, plus any county, city or district rate that applies locally.
Is 38652 expensive to live in?
Median rent runs $918 a month, about 20% of median household income, and the median home is worth $162,400 — +43% against the typical Mississippi ZIP.
Is a ZCTA the same as a postal ZIP code?
Not exactly. The Census builds ZIP Code Tabulation Areas from the ZIP codes of addresses inside each census block, so a ZCTA can differ slightly from the USPS delivery route of the same number, and PO-box-only ZIPs have no ZCTA at all.

Related pages for this area.

Sources & transparency

Every figure on this page is a published estimate for ZIP Code Tabulation Area 38652, except the affordability ratios and mortgage estimate, which we derive from those medians and label as estimates.

Last reviewed December 2024. Figures are published for reference and can change; verify with the source agency before filing or contracting. How we build and check this data.