39654 ZIP Code — Monticello, MS

Lawrence County, Mississippi

ZIP code 39654 is located in Monticello, Mississippi, within Lawrence County. It covers approximately 151.69 square miles and serves a population of 5,221 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 601.

About ZIP code 39654

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $114,100. Owner-occupancy sits near the national average at 74%.

Median household income is $38,093. Poverty affects 21% of residents, above the national average. SNAP benefit usage at 24% of households reflects economic stress in the area. 42% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is sales and office, with retail trade as the leading industry. The average commute of 33 minutes is near the national average.

College attainment at 14% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (21%) compared to national benchmarks. 19% of residents lack health insurance, above the national average.

Notable community characteristics include disability rates above the national average at 30%.

Overall, ZIP code 39654 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a significant Social Security-dependent population, and elevated reliance on food assistance.

5,221

population

151.69

sq mi land

Standard

ZIP type

Central (CT)

timezone

39654 ZIP code map

Cities in ZIP code 39654

Below are the cities the US Postal Service accepts for ZIP code 39654. Using any city not on this list may result in mail delivery delays.

City	Status
Monticello	Acceptable
Monticello	Preferred

Nearby ZIP codes

39656 Oak Vale (6.9 mi) 39663 Silver Creek (8.3 mi) 39641 Jayess (8.7 mi) 39665 Sontag (10 mi) 39662 Ruth (13.1 mi) 39474 Prentiss (16.5 mi) 39140 Newhebron (18.2 mi) 39643 Kokomo (18.8 mi) 39629 Bogue Chitto (19.7 mi)

Demographics updated 05/2026

Population
Total population	5,221
Population density	34 / sq mi
State FIPS	28
County FIPS	077

Geography
Land area	151.69 sq mi
Water area	1.78 sq mi
Latitude	31.4913
Longitude	-90.1212
Timezone	Central (CT)
Area code	601

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	69.3%	62.0%	52.9%
$50k – $100k	16.2%	26.0%	28.4%
$100k – $200k	12.6%	10.6%	15.3%
Over $200k	1.9%	1.3%	3.4%

Demographics & statistics

5,221

Population

People per sq mi

38.4

Median age

$38,093

Median household income

$22,622

Per capita income

$114,100

Median home value

$734

Median monthly rent

73.7%

Home ownership

21.0%

Poverty rate

18.1%

Unemployment

2,119

Housing units

13.8%

Bachelor's or higher

Age distribution

Male Female

226

Under 5

282

5–9

178

10–14

221

207

15–19

258

20–24

116

339

25–34

422

285

35–44

355

259

45–54

322

55–59

162

60–64

201

280

65–74

349

135

75–84

168

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,293	24.8%
18 and over	3,928	75.2%
65 and over	1,005	19.2%
Median age	38.4 years

Race & ethnicity

White 55.2%

Black or African American 33.5%

Hispanic or Latino 4.1%

Other race 4.1%

Two or more races 2%

American Indian / Alaska Native 0.7%

Asian 0.5%

Group	Count	%
White	3,004	55.2%
Black or African American	1,823	33.5%
Hispanic or Latino	221	4.1%
Other race	221	4.1%
Two or more races	111	2%
American Indian / Alaska Native	37	0.7%
Asian	25	0.5%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	69.3%	62.0%	52.9%
$50k – $100k	16.2%	26.0%	28.4%
$100k – $200k	12.6%	10.6%	15.3%
Over $200k	1.9%	1.3%	3.4%

Under $10k 6.7%

$10k–$15k 7.9%

$15k–$25k 15.6%

$25k–$35k 14.0%

$35k–$50k 19.9%

$50k–$75k 14.5%

$75k–$100k 8.1%

$100k–$150k 5.7%

$150k–$200k 5.5%

$200k+ 2.0%

Range	% of households
Under $10k	6.7%
$10k–$15k	7.9%
$15k–$25k	15.6%
$25k–$35k	14.0%
$35k–$50k	19.9%
$50k–$75k	14.5%
$75k–$100k	8.1%
$100k–$150k	5.7%
$150k–$200k	5.5%
$200k+	2.0%
Median income	$38,093

Housing

Home values

Under $50k 18.0%

$50k–$100k 23.5%

$100k–$150k 27.0%

$150k–$200k 11.7%

$200k–$300k 8.4%

$300k–$500k 9.1%

$500k–$1M 2.2%

Housing overview

Metric	Value
Median home value	$114,100
Median rent / month	$734
Owner occupied	73.7%
Renter occupied	26.3%
Vacant	26.5%
Single-family detached	68.2%
Large apartment buildings	0.0%
Mobile homes	19.6%
Median rooms	5.2
Avg household size (owned)	2.66

Year built

Era	%
2020 or later	0.0%
2010–2019	4.4%
2000–2009	3.7%
1990–1999	12.0%
1980–1989	24.3%
1970–1979	30.0%
1960–1969	18.2%
1950–1959	3.8%
1940–1949	1.2%
1939 or earlier	2.4%

Bedrooms

Size	% of units
No bedroom (studio)	1.4%
1 bedroom	7.9%
2 bedrooms	18.5%
3 bedrooms	61.4%
4 bedrooms	9.5%
5+ bedrooms	1.3%

Vehicles per household

Vehicles	% of households
No vehicle	4.8%
1 vehicle	38.3%
2 vehicles	33.4%
3 or more	23.6%

Heating fuel

Fuel type	%
Utility gas	11.1%
Electricity	70.4%
Propane / LP gas	11.0%
Wood	6.9%
No fuel used	0.5%

Households & families

Household type	Count	%
Married-couple family	987	51.1%
Cohabiting couple	63	3.3%
Male householder, no spouse	165	8.5%
Female householder, no spouse	716	37.1%
Households with children under 18	642	33.2%
Households with seniors (65+)	747	38.7%
Average household size	2.70

Marital status

Status	Male	Female
Never married	29.4%	35.8%
Married	60.6%	35.0%
Separated	0.0%	4.4%
Widowed	1.0%	13.6%
Divorced	8.9%	11.2%

Education

Less than 9th grade 9.8%

Some HS, no diploma 10.1%

HS graduate 34.9%

Some college, no degree 20.2%

Associate's degree 11.2%

Bachelor's degree 6.4%

Graduate / professional 7.4%

Metric	%
HS diploma or higher	80.1%
Bachelor's or higher	13.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	72	6.2%
Kindergarten	47	4.1%
Elementary school	496	43.0%
High school	305	26.4%
College / grad school	234	20.3%

Employment

Industry of employment

Retail trade 22.3%

Education & healthcare 19.3%

Manufacturing 14.3%

Other services 8.6%

Agriculture & mining 7.9%

Public administration 7.6%

Construction 5.4%

Arts, food & hospitality 3.7%

Wholesale trade 3.5%

Transportation & utilities 3.2%

Professional & management 2.8%

Finance & real estate 0.8%

Information 0.4%

Occupation

Category	%
Management, business & arts	18.8%
Service	20.2%
Sales & office	28.1%
Natural resources & construction	14.5%
Production & transportation	18.3%

Employment type

Type	%
Private sector	75.1%
Government	14.2%
Self-employed	8.8%
Unpaid family workers	1.9%

Commute

Method	%
Drive alone	93.3%
Carpool	3.6%
Public transit	0.0%
Walk	0.6%
Work from home	1.8%
Other means	0.8%
Avg commute (minutes)	33.3

Poverty

All people 21.0%

Under 18 years 30.3%

18 and over 17.9%

Married-couple families 7.2%

Female-led households 33.0%

Income support

Source	% of households
Social Security	42.1%
Retirement income	26.9%
Supplemental Security	12.5%
Cash public assistance	1.0%
Food stamps / SNAP	23.5%

Health indicators

Condition	%
Obesity	40.7%
High blood pressure	42.9%
High cholesterol	37.5%
Diabetes	13.3%
Heart disease	7.5%
Stroke	4.1%
Asthma	9.9%
Arthritis	30.3%
Kidney disease	3.4%
Pulmonary disease	8.2%
Cancer	6.4%

Behavior / access	%
Smoking	21.0%
Binge drinking	14.1%
No physical activity	31.0%
Less than 7 hrs sleep	34.8%
Depression	21.5%
Fair or poor health	20.8%
Poor mental health	14.9%
Poor physical health	11.8%
No health insurance	20.3%
Visited doctor (checkup)	77.4%
Visited dentist	52.1%
Cholesterol screening	88.5%
Teeth loss	18.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	118	3.0%

Disability	%
Any disability	30.1%
Under 18	16.5%
18–64 years	25.8%
65 and over	60.7%

Health insurance coverage

Type	%
Private insurance	46.6%
Public insurance	47.1%
No insurance	18.6%
Uninsured under 19	4.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,713	90.3%
Spanish	58	1.2%
Other Indo-European	58	1.2%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	5,159	98.8%
Born in same state	5,142	98.5%
Born in different state	4,400	84.3%
Foreign born	17	0.3%
Naturalized citizen	62	1.2%
Not a US citizen	7	11.3%

Ancestry

Ancestry	Count	%
French	570	10.9%
Arab	382	7.3%
Italian	118	2.3%

Ancestry	Count	%
English	7	0.1%
Polish	1	0%

Technology access

Metric	% of households
Computer access	37.0%
Internet access	90.3%

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

Frequently asked questions about ZIP code 39654

What city is ZIP code 39654 in?

ZIP code 39654 is primarily assigned to Monticello, Mississippi.

What county is ZIP code 39654 in?

ZIP code 39654 falls within Lawrence County, Mississippi.

What is the poverty rate in ZIP code 39654?

21% of residents in ZIP code 39654 live below the poverty line, above the national average.

How educated is the population of ZIP code 39654?

14% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 39654 have a large retiree population?

42% of households in ZIP code 39654 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 39654?

The median home value in ZIP code 39654 is $114,100.

What timezone is ZIP code 39654 in?

ZIP code 39654 observes the CST timezone.