38732 ZIP Code — Cleveland, MS

Bolivar County, Mississippi

ZIP code 38732 is located in Cleveland, Mississippi, within Bolivar County. It covers approximately 88.33 square miles and serves a population of 16,741 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 662.

About ZIP code 38732

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $159,900. Owner-occupancy sits near the national average at 61%.

The gap between median ($44,095) and mean household income suggests income inequality — a small number of higher earners pull the average up. Poverty affects 28% of residents, above the national average. SNAP benefit usage at 21% of households reflects economic stress in the area. 36% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 17 minutes is near the national average.

Educational attainment is near the national average, with 33% of residents holding a bachelor's degree or higher.

Overall, ZIP code 38732 reflects a community defined by economic challenges above the national average, a significant Social Security-dependent population, and elevated reliance on food assistance.

16,741

population

88.33

sq mi land

Standard

ZIP type

Central (CT)

timezone

38732 ZIP code map

Cities in ZIP code 38732

Below are the cities the US Postal Service accepts for ZIP code 38732. Using any city not on this list may result in mail delivery delays.

City	Status
Cleveland	Acceptable
Cleveland	Preferred

Nearby ZIP codes

38733 Cleveland (2.9 mi) 38730 Boyle (6.6 mi) 38759 Merigold (8 mi) 38762 Mound Bayou (9.2 mi) 38726 Beulah (10.9 mi) 38773 Shaw (10.9 mi) 38769 Rosedale (11.5 mi) 38771 Ruleville (13.9 mi) 38774 Shelby (14.7 mi) 38737 Drew (14.8 mi) 38746 Gunnison (15.5 mi) 38736 Doddsville (16.6 mi)

Demographics updated 06/2026

Population
Total population	16,741
Population density	190 / sq mi
State FIPS	28
County FIPS	011

Geography
Land area	88.33 sq mi
Water area	1.33 sq mi
Latitude	33.7625
Longitude	-90.7818
Timezone	Central (CT)
Area code	662

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	59.2%	64.0%	52.9%
$50k – $100k	24.8%	23.1%	28.4%
$100k – $200k	12.5%	10.4%	15.3%
Over $200k	3.5%	2.5%	3.4%

Demographics & statistics

16,741

Population

190

People per sq mi

34.8

Median age

$44,095

Median household income

$28,045

Per capita income

$159,900

Median home value

$794

Median monthly rent

60.6%

Home ownership

27.5%

Poverty rate

5.9%

Unemployment

4,754

Housing units

33.2%

Bachelor's or higher

Age distribution

Male Female

568

Under 5

631

476

5–9

529

731

10–14

812

601

15–19

667

572

20–24

635

1,040

25–34

1,154

926

35–44

1,028

955

45–54

1,059

477

55–59

529

482

60–64

534

661

65–74

734

367

75–84

407

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	4,222	25.2%
18 and over	12,519	74.8%
65 and over	2,335	13.9%
Median age	34.8 years

Race & ethnicity

Black or African American 51.9%

White 36.6%

Two or more races 4.5%

Hispanic or Latino 4.3%

Other race 1.5%

Asian 1.2%

Group	Count	%
Black or African American	9,081	51.9%
White	6,402	36.6%
Two or more races	789	4.5%
Hispanic or Latino	757	4.3%
Other race	256	1.5%
Asian	213	1.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	59.2%	64.0%	52.9%
$50k – $100k	24.8%	23.1%	28.4%
$100k – $200k	12.5%	10.4%	15.3%
Over $200k	3.5%	2.5%	3.4%

Under $10k 9.3%

$10k–$15k 12.2%

$15k–$25k 10.0%

$25k–$35k 10.3%

$35k–$50k 13.2%

$50k–$75k 14.4%

$75k–$100k 10.6%

$100k–$150k 10.5%

$150k–$200k 2.8%

$200k+ 6.8%

Range	% of households
Under $10k	9.3%
$10k–$15k	12.2%
$15k–$25k	10.0%
$25k–$35k	10.3%
$35k–$50k	13.2%
$50k–$75k	14.4%
$75k–$100k	10.6%
$100k–$150k	10.5%
$150k–$200k	2.8%
$200k+	6.8%
Median income	$44,095

Housing

Home values

Under $50k 6.8%

$50k–$100k 19.5%

$100k–$150k 18.7%

$150k–$200k 25.2%

$200k–$300k 13.9%

$300k–$500k 12.8%

$500k–$1M 2.6%

$1M+ 0.5%

Housing overview

Metric	Value
Median home value	$159,900
Median rent / month	$794
Owner occupied	60.6%
Renter occupied	39.4%
Vacant	13.9%
Single-family detached	74.3%
Large apartment buildings	1.8%
Mobile homes	4.2%
Median rooms	5.7
Avg household size (owned)	2.54

Year built

Era	%
2020 or later	1.0%
2010–2019	5.4%
2000–2009	7.4%
1990–1999	14.1%
1980–1989	14.6%
1970–1979	21.6%
1960–1969	15.5%
1950–1959	8.1%
1940–1949	7.8%
1939 or earlier	4.4%

Bedrooms

Size	% of units
No bedroom (studio)	0.5%
1 bedroom	6.2%
2 bedrooms	23.0%
3 bedrooms	53.6%
4 bedrooms	13.6%
5+ bedrooms	3.2%

Vehicles per household

Vehicles	% of households
No vehicle	8.6%
1 vehicle	37.4%
2 vehicles	35.5%
3 or more	18.5%

Heating fuel

Fuel type	%
Utility gas	48.6%
Electricity	42.4%
Propane / LP gas	7.3%
Fuel oil	1.2%
No fuel used	0.5%

Households & families

Household type	Count	%
Married-couple family	2,116	34.1%
Cohabiting couple	432	7.0%
Male householder, no spouse	1,165	18.8%
Female householder, no spouse	2,484	40.1%
Households with children under 18	2,262	36.5%
Households with seniors (65+)	1,645	26.5%
Average household size	2.49

Marital status

Status	Male	Female
Never married	43.6%	41.8%
Married	40.1%	31.5%
Separated	3.4%	3.1%
Widowed	2.8%	11.8%
Divorced	10.1%	11.9%

Education

Less than 9th grade 5.2%

Some HS, no diploma 10.7%

HS graduate 23.2%

Some college, no degree 17.3%

Associate's degree 10.4%

Bachelor's degree 17.8%

Graduate / professional 15.3%

Metric	%
HS diploma or higher	84.1%
Bachelor's or higher	33.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	371	6.7%
Kindergarten	325	5.9%
Elementary school	2,112	38.3%
High school	800	14.5%
College / grad school	1,906	34.6%

Employment

Industry of employment

Education & healthcare 30.4%

Professional & management 11.5%

Retail trade 10.7%

Manufacturing 10.2%

Arts, food & hospitality 9.0%

Public administration 8.1%

Agriculture & mining 5.3%

Construction 4.2%

Other services 4.2%

Wholesale trade 2.0%

Transportation & utilities 1.8%

Finance & real estate 1.8%

Information 1.0%

Occupation

Category	%
Management, business & arts	39.0%
Service	22.8%
Sales & office	20.3%
Natural resources & construction	9.0%
Production & transportation	8.9%

Employment type

Type	%
Private sector	68.1%
Government	27.0%
Self-employed	4.8%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	84.5%
Carpool	12.0%
Public transit	0.0%
Walk	0.5%
Work from home	2.2%
Other means	0.8%
Avg commute (minutes)	17.3

Poverty

All people 27.5%

Under 18 years 37.4%

18 and over 24.2%

Married-couple families 8.7%

Female-led households 42.7%

Income support

Source	% of households
Social Security	36.0%
Retirement income	20.6%
Supplemental Security	16.8%
Cash public assistance	2.9%
Food stamps / SNAP	21.1%

Health indicators

Condition	%
Obesity	38.5%
High blood pressure	43.0%
High cholesterol	33.7%
Diabetes	13.8%
Heart disease	6.9%
Stroke	4.5%
Asthma	11.1%
Arthritis	28.6%
Kidney disease	3.6%
Pulmonary disease	7.7%
Cancer	5.5%

Behavior / access	%
Smoking	19.2%
Binge drinking	12.8%
No physical activity	30.7%
Less than 7 hrs sleep	34.3%
Depression	21.2%
Fair or poor health	22.5%
Poor mental health	16.3%
Poor physical health	11.9%
No health insurance	20.5%
Visited doctor (checkup)	79.1%
Visited dentist	55.8%
Cholesterol screening	87.6%
Teeth loss	20.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	456	3.6%

Disability	%
Any disability	15.4%
Under 18	4.4%
18–64 years	14.9%
65 and over	39.2%

Health insurance coverage

Type	%
Private insurance	53.0%
Public insurance	45.1%
No insurance	14.4%
Uninsured under 19	13.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	15,542	92.8%
Spanish	334	2.1%
Other Indo-European	215	1.4%
Asian & Pacific Islander	25	0.2%
Other languages	67	0.4%

Place of birth & citizenship

Origin	Count	%
Native born (US)	16,231	97.0%
Born in same state	16,127	96.3%
Born in different state	13,460	80.4%
Foreign born	104	0.6%
Naturalized citizen	510	3.0%
Not a US citizen	134	26.3%

Ancestry

Ancestry	Count	%
French	1,228	7.3%
Arab	870	5.2%

Ancestry	Count	%
Italian	836	5%
German	5	0%

Technology access

Metric	% of households
Computer access	37.0%
Internet access	92.0%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 38732

What city is ZIP code 38732 in?

ZIP code 38732 is primarily assigned to Cleveland, Mississippi.

What county is ZIP code 38732 in?

ZIP code 38732 falls within Bolivar County, Mississippi.

What is the poverty rate in ZIP code 38732?

28% of residents in ZIP code 38732 live below the poverty line, above the national average.

Does ZIP code 38732 have a large retiree population?

36% of households in ZIP code 38732 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 38732?

The median home value in ZIP code 38732 is $159,900.

What is the median household income in ZIP code 38732?

The median household income in ZIP code 38732 is $44,095, below the national median of ~$75,000.

What timezone is ZIP code 38732 in?

ZIP code 38732 observes the CST timezone.