ZIP code 39146

ZIP 39146 is a small town in Madison County, Mississippi, with 3,057 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #200 of 427 ranked by population — larger than 53% of them. The median age here is 36.6 years against 39.1 nationally, a slightly younger profile than the country as a whole. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 39146 earn a median of $29,821 a year, 62% below the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 37.1% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in ZIP 39146 is valued at $71,200, 76.5% below the national figure, while median gross rent runs $910 a month, 35.3% below the national figure, or roughly $10,920 across a full year. A household on the local median income would put about 36.6% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is a stretch on median earnings. The home-price-to-income ratio works out to 2.4×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 70.1% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

ZIP 39146 is the unusual combination of expensive to rent and cheap to buy: rent takes 36.6% of median income while homes cost only 2.4× it. Where that pattern shows up, the gap is normally down to down-payment and credit barriers rather than price.

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 39146 is tabulated inside Madison County, Mississippi, one of 7 ZIP areas the Census publishes for that county and 427 across Mississippi. Population sits in the small-town band, typically one main street plus the addresses that feed into it. 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 39146 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 39146 reports a median household income of $29,821, 47% below the $55,920 county median, and 40% below the $49,375 typical MS ZIP. Owner-occupied homes are valued at a median of $71,200, 73% below the county figure and 37% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $910 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 39146 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 39146 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.