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38965
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  2. ZIP Codes
  3. ZIP Code 38965
Mississippi (MS)Yalobusha CountyOxford662

ZIP Code 38965 — Water Valley, MS

Yalobusha County * Oxford metro

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9.0K

Population

$58.3K

Median income

per household

$153.1K

Home value

18.9%

Poverty rate

What stands out

  • Median household income: $58.3K.
  • Median home value: $153.1K.
  • Poverty rate: 18.9% (high poverty; top quartile vs US ZIP codes).

Categories vs U.S.

Economy

0 of 5 metrics better than U.S. benchmarks

Rental strain: 43.1% of renter households are rent-burdened (≥30% of income).

Median household income

$58.3K

U.S.

$81K

Per-capita income

$29.2K

U.S.

$45K

Median home value

$153.1K

U.S.

$333K

Housing stress

Rent-burdened renters (≥30%)

43.1%

U.S.

51.1%

Severely rent-burdened (≥50%)

14.8%

U.S.

25.9%

Affordability Ratios

Rent-to-Income

13.3%

Below 30% threshold

Home-Value-to-Income

2.6×

Within typical 3-5x range

Income distribution

Share of households by income bracket (ACS).

< $50k
45.7%
$50–100k
29.3%
$100–200k
20.8%
$200k+
4.3%

Health

1 of 6 available metrics better than U.S.

CDC PLACES modeled ZCTA-level estimates (adult prevalence).

Obesity

38.8%

U.S.

33.3%

Diabetes

17.5%

U.S.

12.0%

Current smoking

19.7%

U.S.

13.1%

Connectivity

0 of 3 metrics better than U.S.

Best available speed

1,000Mbps

Gigabit speeds reported

100+ Mbps coverage

52.8%

U.S.

85.3%

Gigabit ready

2.8%

U.S.

8.6%

5G available

57.5%

U.S.

77.4%

Learning

Education metrics come from ACS 5-year estimates for ZIP Code Tabulation Areas (ZCTAs).

Bachelor's degree+ (age 25+)

19.6%

U.S.

35.7%

ZIP-level estimates can have higher margins of error than county/state totals; treat small differences as noise.

School districts

Water Valley School District

Map

ZIP 38965

Water Valley, MS

Population

9.0K

Area

251.6 sq mi

Density

35.6/sq mi

Neighbors

3860638620386553891338915389223894838949
More Details

Census Tracts

7 tracts overlap this ZIP. Hover over segments to explore.

29%
18%
12%
10%
8%
+2

Tract 9501

28.8%

Tract 9503.02

17.6%

Tract 9505.02

12.2%

Tract 9505.07

9.8%

Tract 9502

7.6%

Others (2)

7.8%

Total tracts: 7Coverage: 83.8%

Representation

U.S. House

ZIP codes can span multiple congressional districts. Overlap percentages are approximate by land area. Verify by address.

62%
38%

MS-2

61.8%

MS-1

38.2%

Districts: 2Coverage: 100.0%

Data freshness

ACS 5-Year
2020–2024
CDC PLACES
2025
Broadband
2020-12
Mobile
2025-11-24
Page Updated
2026-02-23

Release schedule and upstream dates: Sources.

Data sources

US Census Bureau (ACS 5-year)HUD USPS ZIP crosswalkUS Census TIGER/Line (geometry inputs)US Census TIGER/Line (school districts)US Census Bureau (ZCTA-to-tract relationship, 2020)US Census Bureau (2020 ZCTA-to-congressional-district relationship file, CD119)CDC PLACES (ZCTA)FCC (Form 477 broadband)FCC (Mobile Broadband Data Collection)

Derived statistics

  • ZIP pages use Census ZIP Code Tabulation Areas (ZCTAs), not USPS delivery routes.
  • Population density is computed as population ÷ land area.
  • Overlap percentages (tracts and districts) are derived from map geometry and are approximate.

Data accuracy & methodology

ZIP pages combine 2020–2024 ACS 5-year ZCTA estimates with other public datasets when available (see Sources). Connectivity metrics use FCC coverage data, not ACS. ZIP-level estimates can have higher margins of error than county/state totals; treat small differences as statistical noise rather than precise changes.