38655 ZIP Code — Oxford, MS

Lafayette County, Mississippi

ZIP code 38655 is located in Oxford, Mississippi, within Lafayette County. It covers approximately 362.13 square miles and serves a population of 45,290 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 662.

About ZIP code 38655

The housing stock consists of a mix of housing types. Much of the housing stock is relatively new, reflecting recent development activity. Median home value is $251,200. Owner-occupancy sits near the national average at 61%.

The gap between median ($59,963) and mean household income suggests income inequality — a small number of higher earners pull the average up. Poverty affects 21% of residents, above the national average.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 21 minutes is near the national average.

Educational attainment is high — 49% of residents hold a bachelor's degree or higher, well above the national average of 33%.

45,290

population

362.13

sq mi land

Standard

ZIP type

Central (CT)

timezone

38655 ZIP code map

Cities in ZIP code 38655

Below are the cities the US Postal Service accepts for ZIP code 38655. Using any city not on this list may result in mail delivery delays.

City	Status
Oxford	Acceptable
Oxford	Preferred

Nearby ZIP codes

38601 Abbeville (8.5 mi) 38673 Taylor (10.3 mi) 38675 Oxford (10.6 mi) 38949 Paris (12.9 mi) 38871 Thaxton (16.1 mi) 38965 Water Valley (16.3 mi) 38627 Etta (17.7 mi) 38685 Waterford (19.1 mi) 38659 Potts Camp (19.4 mi)

Demographics updated 06/2026

Population
Total population	45,290
Population density	125 / sq mi
State FIPS	28
County FIPS	071

Geography
Land area	362.13 sq mi
Water area	18.54 sq mi
Latitude	34.3491
Longitude	-89.4836
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	46.3%	46.1%	52.9%
$50k – $100k	28.6%	29.2%	28.4%
$100k – $200k	18.8%	18.9%	15.3%
Over $200k	6.2%	5.8%	3.4%

Demographics & statistics

45,290

Population

125

People per sq mi

32.2

Median age

$59,963

Median household income

$36,317

Per capita income

$251,200

Median home value

$1,099

Median monthly rent

61.1%

Home ownership

20.7%

Poverty rate

2.9%

Unemployment

18,488

Housing units

48.7%

Bachelor's or higher

Age distribution

Male Female

1,183

Under 5

1,266

1,070

5–9

1,146

1,330

10–14

1,424

1,440

15–19

1,541

3,402

20–24

3,643

3,169

25–34

3,393

2,865

35–44

3,068

2,252

45–54

2,412

1,023

55–59

1,095

1,084

60–64

1,160

1,963

65–74

2,102

735

75–84

786

356

85+

382

← Male

Female →

Age summary

Group	Count	%
Under 18	8,807	19.4%
18 and over	36,483	80.6%
65 and over	6,324	14.0%
Median age	32.2 years

Race & ethnicity

White 68.4%

Black or African American 24.6%

Asian 2.1%

Hispanic or Latino 2%

Two or more races 1.6%

Other race 1.2%

American Indian / Alaska Native 0.1%

Group	Count	%
White	31,612	68.4%
Black or African American	11,348	24.6%
Asian	985	2.1%
Hispanic or Latino	908	2%
Two or more races	752	1.6%
Other race	545	1.2%
American Indian / Alaska Native	48	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	46.3%	46.1%	52.9%
$50k – $100k	28.6%	29.2%	28.4%
$100k – $200k	18.8%	18.9%	15.3%
Over $200k	6.2%	5.8%	3.4%

Under $10k 8.9%

$10k–$15k 6.0%

$15k–$25k 7.2%

$25k–$35k 6.6%

$35k–$50k 13.6%

$50k–$75k 17.8%

$75k–$100k 10.0%

$100k–$150k 12.9%

$150k–$200k 7.9%

$200k+ 9.0%

Range	% of households
Under $10k	8.9%
$10k–$15k	6.0%
$15k–$25k	7.2%
$25k–$35k	6.6%
$35k–$50k	13.6%
$50k–$75k	17.8%
$75k–$100k	10.0%
$100k–$150k	12.9%
$150k–$200k	7.9%
$200k+	9.0%
Median income	$59,963

Housing

Home values

Under $50k 6.8%

$50k–$100k 8.0%

$100k–$150k 10.0%

$150k–$200k 8.6%

$200k–$300k 25.2%

$300k–$500k 24.3%

$500k–$1M 11.9%

$1M+ 5.3%

Housing overview

Metric	Value
Median home value	$251,200
Median rent / month	$1,099
Owner occupied	61.1%
Renter occupied	38.9%
Vacant	33.9%
Single-family detached	58.4%
Large apartment buildings	7.5%
Mobile homes	7.7%
Median rooms	5.3
Avg household size (owned)	2.80

Year built

Era	%
2020 or later	0.6%
2010–2019	25.8%
2000–2009	21.3%
1990–1999	19.7%
1980–1989	11.3%
1970–1979	8.8%
1960–1969	5.4%
1950–1959	3.3%
1940–1949	1.3%
1939 or earlier	2.6%

Bedrooms

Size	% of units
No bedroom (studio)	2.1%
1 bedroom	10.6%
2 bedrooms	23.2%
3 bedrooms	43.6%
4 bedrooms	17.1%
5+ bedrooms	3.5%

Vehicles per household

Vehicles	% of households
No vehicle	6.5%
1 vehicle	33.5%
2 vehicles	38.8%
3 or more	21.2%

Heating fuel

Fuel type	%
Utility gas	30.8%
Electricity	59.4%
Propane / LP gas	8.4%
Wood	1.0%
No fuel used	0.4%

Households & families

Household type	Count	%
Married-couple family	7,247	44.0%
Cohabiting couple	1,128	6.9%
Male householder, no spouse	3,231	19.6%
Female householder, no spouse	4,849	29.5%
Households with children under 18	4,278	26.0%
Households with seniors (65+)	4,181	25.4%
Average household size	2.71

Marital status

Status	Male	Female
Never married	49.1%	38.3%
Married	39.8%	41.4%
Separated	1.0%	1.8%
Widowed	1.9%	6.5%
Divorced	8.3%	12.0%

Education

Less than 9th grade 2.4%

Some HS, no diploma 5.4%

HS graduate 18.5%

Some college, no degree 16.2%

Associate's degree 8.8%

Bachelor's degree 25.9%

Graduate / professional 22.8%

Metric	%
HS diploma or higher	92.2%
Bachelor's or higher	48.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	745	5.0%
Kindergarten	304	2.0%
Elementary school	4,160	27.8%
High school	2,018	13.5%
College / grad school	7,750	51.7%

Employment

Industry of employment

Education & healthcare 38.9%

Retail trade 10.8%

Arts, food & hospitality 9.1%

Manufacturing 7.9%

Transportation & utilities 7.7%

Professional & management 6.6%

Other services 4.7%

Construction 4.0%

Finance & real estate 4.0%

Public administration 3.4%

Information 1.3%

Agriculture & mining 1.0%

Wholesale trade 0.5%

Occupation

Category	%
Management, business & arts	43.8%
Service	16.3%
Sales & office	21.8%
Natural resources & construction	6.1%
Production & transportation	11.9%

Employment type

Type	%
Private sector	65.3%
Government	28.2%
Self-employed	6.4%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	82.9%
Carpool	7.8%
Public transit	1.0%
Walk	2.1%
Work from home	5.4%
Other means	0.8%
Avg commute (minutes)	21.2

Poverty

All people 20.7%

Under 18 years 15.5%

18 and over 22.0%

Married-couple families 4.5%

Female-led households 33.5%

Income support

Source	% of households
Social Security	28.7%
Retirement income	22.0%
Supplemental Security	2.8%
Cash public assistance	1.0%
Food stamps / SNAP	3.9%

Health indicators

Condition	%
Obesity	34.9%
High blood pressure	31.6%
High cholesterol	29.0%
Diabetes	8.5%
Heart disease	5.0%
Stroke	2.6%
Asthma	9.4%
Arthritis	21.7%
Kidney disease	2.4%
Pulmonary disease	5.1%
Cancer	4.9%

Behavior / access	%
Smoking	14.0%
Binge drinking	15.7%
No physical activity	21.2%
Less than 7 hrs sleep	30.9%
Depression	22.1%
Fair or poor health	13.8%
Poor mental health	14.6%
Poor physical health	8.0%
No health insurance	15.2%
Visited doctor (checkup)	76.2%
Visited dentist	63.4%
Cholesterol screening	86.0%
Teeth loss	12.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,659	4.5%

Disability	%
Any disability	9.4%
Under 18	4.0%
18–64 years	7.1%
65 and over	29.0%

Health insurance coverage

Type	%
Private insurance	77.3%
Public insurance	24.5%
No insurance	9.0%
Uninsured under 19	2.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	42,841	94.6%
Spanish	544	1.3%
Other Indo-European	163	0.4%
Asian & Pacific Islander	101	0.2%
Other languages	144	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	43,690	96.5%
Born in same state	43,440	95.9%
Born in different state	27,060	59.7%
Foreign born	250	0.6%
Naturalized citizen	1,600	3.5%
Not a US citizen	424	26.5%

Ancestry

Ancestry	Count	%
French	5,995	13.2%
Italian	2,958	6.5%
Arab	2,395	5.3%
Polish	264	0.6%
English	151	0.3%

Ancestry	Count	%
Dutch	45	0.1%
German	10	0%
Norwegian	10	0%
Irish	6	0%

Technology access

Metric	% of households
Computer access	36.3%
Internet access	96.1%

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

Frequently asked questions about ZIP code 38655

What city is ZIP code 38655 in?

ZIP code 38655 is primarily assigned to Oxford, Mississippi.

What county is ZIP code 38655 in?

ZIP code 38655 falls within Lafayette County, Mississippi.

What is the poverty rate in ZIP code 38655?

21% of residents in ZIP code 38655 live below the poverty line, above the national average.

How educated is the population of ZIP code 38655?

49% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What is the population of ZIP code 38655?

ZIP code 38655 has an estimated population of 45,290 residents, with a density of 125 people per square mile.

What is the median household income in ZIP code 38655?

The median household income in ZIP code 38655 is $59,963, below the national median of ~$75,000.

What timezone is ZIP code 38655 in?

ZIP code 38655 observes the CST timezone.