ZIP code 39630

ZIP 39630 is a very small community in Franklin County, Mississippi, with 871 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #334 of 427 ranked by population — larger than 21% of them. The median age here is 27.4 years against 39.1 nationally, a distinctly younger profile, typical of places with students, military posts or a fast-growing family population. 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 39630 earn a median of $25,724 a year, 67.2% 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 46.5% 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 39630 is valued at $79,600, 73.8% below the national figure, while median gross rent runs $825 a month, 41.3% below the national figure, or roughly $9,900 across a full year. A household on the local median income would put about 38.5% 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 3.1×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 59.1% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

ZIP 39630 is the unusual combination of expensive to rent and cheap to buy: rent takes 38.5% of median income while homes cost only 3.1× it. Where that pattern shows up, the gap is normally down to down-payment and credit barriers rather than price. A median age of 27.4 means a large student or early-career population; income medians in places like this understate household resources, since many residents are supported from outside the address.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. 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 39630 is tabulated inside Franklin County, Mississippi, one of 4 ZIP areas the Census publishes for that county and 427 across Mississippi. Fewer than 2,500 people are counted here, so the ZIP behaves like a village delivery route rather than a neighbourhood. 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 39630 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 39630 reports a median household income of $25,724, 46% below the $47,439 county median, and 48% below the $49,375 typical MS ZIP. Owner-occupied homes are valued at a median of $79,600, 10% below the county figure and 30% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $825 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 39630 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 39630 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.