38913 ZIP Code — Banner, MS

Calhoun County, Mississippi

ZIP code 38913 is located in Banner, Mississippi, within Calhoun County. It covers approximately 22.81 square miles and serves a population of 493 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 662.

About ZIP code 38913

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $153,300. Owner-occupancy is high at 89%, well above the national average.

The dominant occupation class is service, with education and healthcare as the leading industry. The average commute of 29 minutes is near the national average.

26% of residents lack health insurance, above the national average.

Notable community characteristics include disability rates above the national average at 40%.

Overall, ZIP code 38913 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, high homeownership, a significant Social Security-dependent population, and elevated reliance on food assistance.

493

population

22.81

sq mi land

Standard

ZIP type

Central (CT)

timezone

38913 ZIP code map

Cities in ZIP code 38913

Below are the cities the US Postal Service accepts for ZIP code 38913. Using any city not on this list may result in mail delivery delays.

City	Status
Banner	Acceptable

Demographics updated 05/2026

Population
Total population	493
Population density	22 / sq mi
State FIPS	28
County FIPS	013

Geography
Land area	22.81 sq mi
Water area	0.08 sq mi
Latitude	34.0963
Longitude	-89.4128
Timezone	Central (CT)
Area code	662

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	59.4%	60.4%	52.9%
$50k – $100k	40.6%	28.5%	28.4%
$100k – $200k	0.0%	10.2%	15.3%
Over $200k	0.0%	0.9%	3.4%

Demographics & statistics

493

Population

People per sq mi

46.4

Median age

Median household income

$17,007

Per capita income

$153,300

Median home value

Median monthly rent

89.0%

Home ownership

53.3%

Poverty rate

11.9%

Unemployment

204

Housing units

2.0%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	121	24.5%
18 and over	372	75.5%
65 and over	79	16.0%
Median age	46.4 years

Race & ethnicity

White 100%

Group	Count	%
White	493	100%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	59.4%	60.4%	52.9%
$50k – $100k	40.6%	28.5%	28.4%
$100k – $200k	0.0%	10.2%	15.3%
Over $200k	0.0%	0.9%	3.4%

$10k–$15k 5.8%

$15k–$25k 40.5%

$25k–$35k 16.2%

$50k–$75k 27.7%

$75k–$100k 6.4%

$200k+ 3.5%

Range	% of households
$10k–$15k	5.8%
$15k–$25k	40.5%
$25k–$35k	16.2%
$50k–$75k	27.7%
$75k–$100k	6.4%
$200k+	3.5%
Median income	$0

Housing

Home values

Under $50k 20.1%

$50k–$100k 3.9%

$100k–$150k 22.1%

$150k–$200k 40.3%

$200k–$300k 13.6%

Housing overview

Metric	Value
Median home value	$153,300
Median rent / month	$0
Owner occupied	89.0%
Renter occupied	11.0%
Vacant	22.4%
Single-family detached	78.5%
Large apartment buildings	0.0%
Mobile homes	21.5%
Median rooms	5.4
Avg household size (owned)	2.83

Year built

Era	%
2020 or later	0.0%
2010–2019	0.0%
2000–2009	16.6%
1990–1999	28.7%
1980–1989	28.7%
1970–1979	4.5%
1960–1969	10.3%
1950–1959	2.7%
1940–1949	8.5%
1939 or earlier	0.0%

Bedrooms

Size	% of units
No bedroom (studio)	2.7%
1 bedroom	0.0%
2 bedrooms	22.0%
3 bedrooms	70.4%
4 bedrooms	4.9%
5+ bedrooms	0.0%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	27.2%
2 vehicles	37.6%
3 or more	35.3%

Heating fuel

Fuel type	%
Electricity	71.1%
Propane / LP gas	28.9%

Households & families

Household type	Count	%
Married-couple family	53	30.6%
Cohabiting couple	0	0.0%
Male householder, no spouse	56	32.4%
Female householder, no spouse	64	37.0%
Households with children under 18	95	54.9%
Households with seniors (65+)	83	48.0%
Average household size	2.85

Marital status

Status	Male	Female
Never married	26.8%	16.0%
Married	32.7%	24.4%
Separated	10.1%	8.0%
Widowed	30.4%	7.1%
Divorced	0.0%	44.5%

Education

Less than 9th grade 11.1%

Some HS, no diploma 12.5%

HS graduate 61.3%

Some college, no degree 3.7%

Associate's degree 9.4%

Bachelor's degree 2.0%

Graduate / professional 0.0%

Metric	%
HS diploma or higher	76.4%
Bachelor's or higher	2.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	59	50.9%
High school	49	42.2%
College / grad school	8	6.9%

Employment

Industry of employment

Education & healthcare 32.5%

Agriculture & mining 17.5%

Manufacturing 15.1%

Other services 14.3%

Retail trade 8.7%

Transportation & utilities 6.3%

Finance & real estate 5.6%

Occupation

Category	%
Management, business & arts	12.7%
Service	34.1%
Sales & office	15.9%
Natural resources & construction	24.6%
Production & transportation	12.7%

Employment type

Type	%
Private sector	73.8%
Government	26.2%
Self-employed	0.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	88.3%
Carpool	11.7%
Public transit	0.0%
Walk	0.0%
Work from home	0.0%
Other means	0.0%
Avg commute (minutes)	29.2

Poverty

All people 53.3%

Under 18 years 59.5%

18 and over 51.3%

Married-couple families 11.3%

Female-led households 52.8%

Income support

Source	% of households
Social Security	67.1%
Retirement income	46.2%
Supplemental Security	24.3%
Cash public assistance	11.0%
Food stamps / SNAP	20.8%

Health indicators

Condition	%
Obesity	40.6%
High blood pressure	41.6%
High cholesterol	39.6%
Diabetes	12.5%
Heart disease	8.9%
Stroke	4.0%
Asthma	9.1%
Arthritis	32.1%
Kidney disease	3.5%
Pulmonary disease	8.5%
Cancer	8.1%

Behavior / access	%
Smoking	19.5%
Binge drinking	13.5%
No physical activity	27.4%
Less than 7 hrs sleep	30.6%
Depression	22.3%
Fair or poor health	18.8%
Poor mental health	14.0%
Poor physical health	11.4%
No health insurance	16.8%
Visited doctor (checkup)	77.7%
Visited dentist	57.1%
Cholesterol screening	90.1%
Teeth loss	16.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	6	1.6%

Disability	%
Any disability	39.8%
Under 18	14.0%
18–64 years	55.6%
65 and over	20.3%

Health insurance coverage

Type	%
Private insurance	43.0%
Public insurance	34.1%
No insurance	26.4%
Uninsured under 19	11.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	465	94.3%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	493	100.0%
Born in same state	493	100.0%
Born in different state	435	88.2%
Foreign born	0	0.0%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Italian	70	14.2%
Arab	53	10.8%

Ancestry	Count	%
French	38	7.7%

Technology access

Metric	% of households
Computer access	35.1%
Internet access	87.9%

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

Frequently asked questions about ZIP code 38913

What city is ZIP code 38913 in?

ZIP code 38913 is primarily assigned to Banner, Mississippi.

What county is ZIP code 38913 in?

ZIP code 38913 falls within Calhoun County, Mississippi.

What is the poverty rate in ZIP code 38913?

53% of residents in ZIP code 38913 live below the poverty line, above the national average.

Does ZIP code 38913 have a large retiree population?

67% of households in ZIP code 38913 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 38913 mostly owner-occupied?

89% of occupied units in ZIP code 38913 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 38913?

The median home value in ZIP code 38913 is $153,300.

What timezone is ZIP code 38913 in?

ZIP code 38913 observes the CST timezone.