38632 ZIP Code — Hernando, MS

Desoto County, Mississippi

ZIP code 38632 is located in Hernando, Mississippi, within Desoto County. It covers approximately 162.25 square miles and serves a population of 29,491 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 662.

About ZIP code 38632

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $267,900. Owner-occupancy is high at 87%, well above the national average.

Median household income is $80,956. The poverty rate of 6% is below the national average. 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 27 minutes is near the national average.

Educational attainment is near the national average, with 32% of residents holding a bachelor's degree or higher.

Overall, ZIP code 38632 reflects a community defined by high homeownership and a significant Social Security-dependent population.

29,491

population

162.25

sq mi land

Standard

ZIP type

Central (CT)

timezone

38632 ZIP code map

Cities in ZIP code 38632

Below are the cities the US Postal Service accepts for ZIP code 38632. Using any city not on this list may result in mail delivery delays.

City	Status
Hernando	Preferred

Nearby ZIP codes

38651 Nesbit (6.1 mi) 38618 Coldwater (6.2 mi) 38672 Southaven (10.6 mi) 38671 Southaven (11 mi) 38637 Horn Lake (11.2 mi) 38654 Olive Branch (12.3 mi) 38668 Senatobia (13.2 mi) 38680 Walls (14.1 mi) 38641 Lake Cormorant (14.8 mi) 38686 Walls (14.9 mi) 38116 Memphis (16.6 mi) 38141 Memphis (16.7 mi)

Demographics updated 06/2026

Population
Total population	29,491
Population density	182 / sq mi
State FIPS	28
County FIPS	033

Geography
Land area	162.25 sq mi
Water area	11.53 sq mi
Latitude	34.7955
Longitude	-89.9779
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	37.5%	35.4%	52.9%
$50k – $100k	30.2%	34.9%	28.4%
$100k – $200k	25.8%	25.4%	15.3%
Over $200k	6.6%	4.3%	3.4%

Demographics & statistics

29,491

Population

182

People per sq mi

39.0

Median age

$80,956

Median household income

$37,087

Per capita income

$267,900

Median home value

$1,045

Median monthly rent

86.6%

Home ownership

6.4%

Poverty rate

3.4%

Unemployment

10,127

Housing units

32.3%

Bachelor's or higher

Age distribution

Male Female

862

Under 5

887

986

5–9

1,014

1,163

10–14

1,197

913

15–19

940

690

20–24

710

1,814

25–34

1,867

2,102

35–44

2,162

1,801

45–54

1,853

751

55–59

772

995

60–64

1,024

1,612

65–74

1,658

707

75–84

727

140

85+

144

← Male

Female →

Age summary

Group	Count	%
Under 18	7,364	25.0%
18 and over	22,127	75.0%
65 and over	4,988	16.9%
Median age	39.0 years

Race & ethnicity

White 81.3%

Black or African American 12.5%

Two or more races 3%

Hispanic or Latino 1.7%

Asian 0.9%

Other race 0.6%

Group	Count	%
White	24,393	81.3%
Black or African American	3,761	12.5%
Two or more races	886	3%
Hispanic or Latino	511	1.7%
Asian	261	0.9%
Other race	190	0.6%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	37.5%	35.4%	52.9%
$50k – $100k	30.2%	34.9%	28.4%
$100k – $200k	25.8%	25.4%	15.3%
Over $200k	6.6%	4.3%	3.4%

Under $10k 4.6%

$10k–$15k 3.1%

$15k–$25k 6.9%

$25k–$35k 6.1%

$35k–$50k 9.8%

$50k–$75k 15.4%

$75k–$100k 15.6%

$100k–$150k 18.0%

$150k–$200k 10.8%

$200k+ 9.7%

Range	% of households
Under $10k	4.6%
$10k–$15k	3.1%
$15k–$25k	6.9%
$25k–$35k	6.1%
$35k–$50k	9.8%
$50k–$75k	15.4%
$75k–$100k	15.6%
$100k–$150k	18.0%
$150k–$200k	10.8%
$200k+	9.7%
Median income	$80,956

Housing

Home values

Under $50k 4.1%

$50k–$100k 3.2%

$100k–$150k 7.0%

$150k–$200k 12.7%

$200k–$300k 37.0%

$300k–$500k 29.5%

$500k–$1M 6.1%

$1M+ 0.3%

Housing overview

Metric	Value
Median home value	$267,900
Median rent / month	$1,045
Owner occupied	86.6%
Renter occupied	13.4%
Vacant	7.0%
Single-family detached	84.0%
Large apartment buildings	1.9%
Mobile homes	6.8%
Median rooms	6.5
Avg household size (owned)	2.83

Year built

Era	%
2020 or later	0.8%
2010–2019	15.0%
2000–2009	26.4%
1990–1999	22.2%
1980–1989	10.7%
1970–1979	11.5%
1960–1969	7.5%
1950–1959	2.1%
1940–1949	1.7%
1939 or earlier	1.9%

Bedrooms

Size	% of units
No bedroom (studio)	2.4%
1 bedroom	3.6%
2 bedrooms	12.6%
3 bedrooms	46.0%
4 bedrooms	25.7%
5+ bedrooms	9.7%

Vehicles per household

Vehicles	% of households
No vehicle	3.5%
1 vehicle	23.5%
2 vehicles	42.3%
3 or more	30.7%

Heating fuel

Fuel type	%
Utility gas	47.1%
Electricity	39.7%
Propane / LP gas	11.5%
Wood	1.4%
No fuel used	0.2%

Households & families

Household type	Count	%
Married-couple family	6,842	63.6%
Cohabiting couple	270	2.5%
Male householder, no spouse	1,270	11.8%
Female householder, no spouse	2,383	22.1%
Households with children under 18	4,356	40.5%
Households with seniors (65+)	3,725	34.6%
Average household size	2.69

Marital status

Status	Male	Female
Never married	26.0%	18.6%
Married	62.3%	61.6%
Separated	1.5%	0.2%
Widowed	2.8%	8.5%
Divorced	7.5%	11.1%

Education

Less than 9th grade 2.1%

Some HS, no diploma 6.8%

HS graduate 25.3%

Some college, no degree 22.8%

Associate's degree 10.7%

Bachelor's degree 21.1%

Graduate / professional 11.2%

Metric	%
HS diploma or higher	91.0%
Bachelor's or higher	32.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	629	7.8%
Kindergarten	242	3.0%
Elementary school	3,761	46.4%
High school	1,629	20.1%
College / grad school	1,847	22.8%

Employment

Industry of employment

Education & healthcare 24.8%

Manufacturing 12.9%

Transportation & utilities 10.7%

Retail trade 9.8%

Professional & management 9.4%

Arts, food & hospitality 7.3%

Construction 6.1%

Public administration 5.2%

Finance & real estate 5.0%

Wholesale trade 3.3%

Other services 2.9%

Agriculture & mining 1.8%

Information 0.8%

Occupation

Category	%
Management, business & arts	46.3%
Service	11.1%
Sales & office	20.0%
Natural resources & construction	9.5%
Production & transportation	13.0%

Employment type

Type	%
Private sector	75.9%
Government	17.0%
Self-employed	7.1%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	82.0%
Carpool	10.0%
Public transit	0.2%
Walk	0.7%
Work from home	6.5%
Other means	0.6%
Avg commute (minutes)	27.3

Poverty

All people 6.4%

Under 18 years 4.9%

18 and over 7.0%

Married-couple families 3.4%

Female-led households 28.3%

Income support

Source	% of households
Social Security	35.5%
Retirement income	28.2%
Supplemental Security	3.9%
Cash public assistance	0.7%
Food stamps / SNAP	6.7%

Health indicators

Condition	%
Obesity	35.8%
High blood pressure	35.9%
High cholesterol	36.6%
Diabetes	9.8%
Heart disease	5.9%
Stroke	2.8%
Asthma	8.9%
Arthritis	25.2%
Kidney disease	2.5%
Pulmonary disease	5.9%
Cancer	6.5%

Behavior / access	%
Smoking	18.0%
Binge drinking	15.4%
No physical activity	23.4%
Less than 7 hrs sleep	29.6%
Depression	20.6%
Fair or poor health	13.6%
Poor mental health	13.2%
Poor physical health	8.6%
No health insurance	15.1%
Visited doctor (checkup)	74.9%
Visited dentist	60.7%
Cholesterol screening	90.6%
Teeth loss	12.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,475	6.7%

Disability	%
Any disability	14.1%
Under 18	5.6%
18–64 years	11.1%
65 and over	36.5%

Health insurance coverage

Type	%
Private insurance	79.3%
Public insurance	25.4%
No insurance	7.2%
Uninsured under 19	3.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	27,742	94.1%
Spanish	235	0.8%
Other Indo-European	145	0.5%
Asian & Pacific Islander	12	0.0%
Other languages	56	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	28,777	97.6%
Born in same state	28,600	97.0%
Born in different state	10,195	34.6%
Foreign born	177	0.6%
Naturalized citizen	714	2.4%
Not a US citizen	324	45.4%

Ancestry

Ancestry	Count	%
French	4,004	13.6%
Arab	3,589	12.2%
Italian	2,534	8.6%
English	97	0.3%

Ancestry	Count	%
Dutch	86	0.3%
German	61	0.2%
Polish	34	0.1%

Technology access

Metric	% of households
Computer access	36.5%
Internet access	95.6%

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

Frequently asked questions about ZIP code 38632

What city is ZIP code 38632 in?

ZIP code 38632 is primarily assigned to Hernando, Mississippi.

What county is ZIP code 38632 in?

ZIP code 38632 falls within Desoto County, Mississippi.

Is ZIP code 38632 mostly owner-occupied?

87% of occupied units in ZIP code 38632 are owner-occupied, well above the national average.

Does ZIP code 38632 have a large retiree population?

36% of households in ZIP code 38632 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 38632?

ZIP code 38632 has an estimated population of 29,491 residents, with a density of 182 people per square mile.

What is the typical home value in ZIP code 38632?

The median home value in ZIP code 38632 is $267,900.

What timezone is ZIP code 38632 in?

ZIP code 38632 observes the CST timezone.