38654 ZIP Code — Olive Branch, MS
Desoto County, Mississippi
ZIP code 38654 is located in Olive Branch, Mississippi, within Desoto County. It covers approximately 91.79 square miles and serves a population of 56,449 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 662.
About ZIP code 38654
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 $261,900. Owner-occupancy is high at 84%, well above the national average.
Median household income is $96,145. The poverty rate of 5% is below the national average.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 25 minutes is near the national average.
Educational attainment is near the national average, with 33% of residents holding a bachelor's degree or higher.
56,449
population
91.79
sq mi land
Standard
ZIP type
Central (CT)
timezone
38654 ZIP code map
Cities in ZIP code 38654
Below are the cities the US Postal Service accepts for ZIP code 38654. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Olive Branch | Acceptable |
| Olive Branch | Preferred |
Nearby ZIP codes
38141 Memphis (7.5 mi)
38125 Memphis (8.4 mi)
38672 Southaven (8.5 mi)
38611 Byhalia (9.3 mi)
38115 Memphis (10.6 mi)
38118 Memphis (11 mi)
38651 Nesbit (11 mi)
38671 Southaven (11.4 mi)
38119 Memphis (11.7 mi)
38138 Germantown (12 mi)
38138 Germantown (12 mi)
38139 Germantown (12.1 mi)
Demographics
updated 06/2026
| Population | |
|---|---|
| Total population | 56,449 |
| Population density | 615 / sq mi |
| State FIPS | 28 |
| County FIPS | 033 |
| Geography | |
|---|---|
| Land area | 91.79 sq mi |
| Water area | 0.27 sq mi |
| Latitude | 34.9110 |
| Longitude | -89.8127 |
| 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 | 25.2% | 35.4% | 52.9% |
| $50k – $100k | 35.9% | 34.9% | 28.4% |
| $100k – $200k | 32.3% | 25.4% | 15.3% |
| Over $200k | 6.5% | 4.3% | 3.4% |
Demographics & statistics
56,449
Population
615
People per sq mi
38.8
Median age
$96,145
Median household income
$40,702
Per capita income
$261,900
Median home value
$1,486
Median monthly rent
83.8%
Home ownership
5.2%
Poverty rate
3.1%
Unemployment
17,915
Housing units
33.3%
Bachelor's or higher
Age distribution
Male
Female
1,542
Under 5
1,654
1,823
5–9
1,956
2,072
10–14
2,223
2,070
15–19
2,221
1,636
20–24
1,755
3,075
25–34
3,299
4,070
35–44
4,366
4,013
45–54
4,306
1,585
55–59
1,700
1,618
60–64
1,737
2,201
65–74
2,361
1,100
75–84
1,181
427
85+
458
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 14,110 | 25.0% |
| 18 and over | 42,339 | 75.0% |
| 65 and over | 7,728 | 13.7% |
| Median age | 38.8 years | |
Race & ethnicity
White
59.1%
Black or African American
28.8%
Two or more races
4.1%
Hispanic or Latino
4%
Other race
2%
Asian
1.8%
American Indian / Alaska Native
0.2%
| Group | Count | % |
|---|---|---|
| White | 34,757 | 59.1% |
| Black or African American | 16,943 | 28.8% |
| Two or more races | 2,383 | 4.1% |
| Hispanic or Latino | 2,324 | 4% |
| Other race | 1,204 | 2% |
| Asian | 1,035 | 1.8% |
| American Indian / Alaska Native | 127 | 0.2% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 25.2% | 35.4% | 52.9% |
| $50k – $100k | 35.9% | 34.9% | 28.4% |
| $100k – $200k | 32.3% | 25.4% | 15.3% |
| Over $200k | 6.5% | 4.3% | 3.4% |
Under $10k
2.3%
$10k–$15k
1.7%
$15k–$25k
3.6%
$25k–$35k
5.4%
$35k–$50k
6.6%
$50k–$75k
16.3%
$75k–$100k
16.4%
$100k–$150k
25.1%
$150k–$200k
11.8%
$200k+
10.7%
| Range | % of households |
|---|---|
| Under $10k | 2.3% |
| $10k–$15k | 1.7% |
| $15k–$25k | 3.6% |
| $25k–$35k | 5.4% |
| $35k–$50k | 6.6% |
| $50k–$75k | 16.3% |
| $75k–$100k | 16.4% |
| $100k–$150k | 25.1% |
| $150k–$200k | 11.8% |
| $200k+ | 10.7% |
| Median income | $96,145 |
Housing
Home values
Under $50k
2.7%
$50k–$100k
1.3%
$100k–$150k
7.9%
$150k–$200k
17.6%
$200k–$300k
34.5%
$300k–$500k
31.0%
$500k–$1M
4.7%
$1M+
0.3%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $261,900 |
| Median rent / month | $1,486 |
| Owner occupied | 83.8% |
| Renter occupied | 16.2% |
| Vacant | 2.8% |
| Single-family detached | 90.7% |
| Large apartment buildings | 1.6% |
| Mobile homes | 2.0% |
| Median rooms | 6.9 |
| Avg household size (owned) | 2.73 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.9% |
| 2010–2019 | 16.1% |
| 2000–2009 | 33.9% |
| 1990–1999 | 26.8% |
| 1980–1989 | 12.2% |
| 1970–1979 | 4.5% |
| 1960–1969 | 2.9% |
| 1950–1959 | 1.2% |
| 1940–1949 | 0.6% |
| 1939 or earlier | 1.0% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 0.4% |
| 1 bedroom | 1.8% |
| 2 bedrooms | 6.6% |
| 3 bedrooms | 47.9% |
| 4 bedrooms | 31.2% |
| 5+ bedrooms | 12.0% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 3.0% |
| 1 vehicle | 19.0% |
| 2 vehicles | 42.0% |
| 3 or more | 36.1% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 60.2% |
| Electricity | 36.0% |
| Propane / LP gas | 3.3% |
| Wood | 0.2% |
| Solar | 0.1% |
| No fuel used | 0.1% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 12,029 | 58.3% |
| Cohabiting couple | 874 | 4.2% |
| Male householder, no spouse | 3,080 | 14.9% |
| Female householder, no spouse | 4,664 | 22.6% |
| Households with children under 18 | 7,988 | 38.7% |
| Households with seniors (65+) | 5,425 | 26.3% |
| Average household size | 2.73 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 26.9% | 27.7% |
| Married | 59.8% | 52.4% |
| Separated | 1.5% | 1.2% |
| Widowed | 2.9% | 7.3% |
| Divorced | 8.9% | 11.3% |
Education
Less than 9th grade
2.0%
Some HS, no diploma
3.1%
HS graduate
26.7%
Some college, no degree
24.9%
Associate's degree
10.0%
Bachelor's degree
21.9%
Graduate / professional
11.4%
| Metric | % |
|---|---|
| HS diploma or higher | 94.9% |
| Bachelor's or higher | 33.3% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 970 | 6.5% |
| Kindergarten | 948 | 6.4% |
| Elementary school | 6,054 | 40.6% |
| High school | 3,742 | 25.1% |
| College / grad school | 3,181 | 21.4% |
Employment
Industry of employment
Education & healthcare
18.9%
Transportation & utilities
17.2%
Manufacturing
13.8%
Retail trade
9.9%
Arts, food & hospitality
8.7%
Professional & management
7.8%
Finance & real estate
5.2%
Other services
4.5%
Construction
4.4%
Wholesale trade
4.2%
Public administration
3.7%
Information
0.9%
Agriculture & mining
0.8%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 37.7% |
| Service | 13.8% |
| Sales & office | 20.8% |
| Natural resources & construction | 7.6% |
| Production & transportation | 20.1% |
Employment type
| Type | % |
|---|---|
| Private sector | 82.6% |
| Government | 10.9% |
| Self-employed | 5.6% |
| Unpaid family workers | 0.9% |
Commute
| Method | % |
|---|---|
| Drive alone | 82.9% |
| Carpool | 7.8% |
| Public transit | 0.0% |
| Walk | 0.7% |
| Work from home | 7.9% |
| Other means | 0.8% |
| Avg commute (minutes) | 24.8 |
Poverty
All people
5.2%
Under 18 years
6.4%
18 and over
4.9%
Married-couple families
2.6%
Female-led households
9.2%
Income support
| Source | % of households |
|---|---|
| Social Security | 28.8% |
| Retirement income | 23.1% |
| Supplemental Security | 2.9% |
| Cash public assistance | 2.5% |
| Food stamps / SNAP | 3.4% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 36.4% |
| High blood pressure | 35.3% |
| High cholesterol | 35.0% |
| Diabetes | 9.4% |
| Heart disease | 5.3% |
| Stroke | 2.6% |
| Asthma | 9.0% |
| Arthritis | 23.8% |
| Kidney disease | 2.4% |
| Pulmonary disease | 5.3% |
| Cancer | 6.1% |
| Behavior / access | % |
|---|---|
| Smoking | 17.6% |
| Binge drinking | 15.2% |
| No physical activity | 23.2% |
| Less than 7 hrs sleep | 30.4% |
| Depression | 20.1% |
| Fair or poor health | 13.2% |
| Poor mental health | 13.2% |
| Poor physical health | 8.2% |
| No health insurance | 15.3% |
| Visited doctor (checkup) | 75.3% |
| Visited dentist | 60.8% |
| Cholesterol screening | 90.7% |
| Teeth loss | 11.5% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 3,354 | 7.9% |
| Disability | % |
|---|---|
| Any disability | 11.7% |
| Under 18 | 4.0% |
| 18–64 years | 10.1% |
| 65 and over | 32.8% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 81.2% |
| Public insurance | 25.2% |
| No insurance | 6.1% |
| Uninsured under 19 | 3.9% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 53,253 | 94.3% |
| Spanish | 803 | 1.5% |
| Other Indo-European | 555 | 1.0% |
| Asian & Pacific Islander | 123 | 0.2% |
| Other languages | 100 | 0.2% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 54,243 | 96.1% |
| Born in same state | 53,886 | 95.5% |
| Born in different state | 15,277 | 27.1% |
| Foreign born | 357 | 0.6% |
| Naturalized citizen | 2,206 | 3.9% |
| Not a US citizen | 1,389 | 63.0% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Arab | 5,213 | 9.2% |
| French | 5,111 | 9.1% |
| Italian | 5,017 | 8.9% |
| English | 529 | 0.9% |
| Polish | 277 | 0.5% |
| Ancestry | Count | % |
|---|---|---|
| German | 99 | 0.2% |
| Dutch | 75 | 0.1% |
| Irish | 57 | 0.1% |
| Norwegian | 18 | 0% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 36.6% |
| Internet access | 96.7% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 38654
What part of Olive Branch is ZIP code 38654?
ZIP code 38654 covers a portion of Olive Branch, Mississippi, within Desoto County.
What county is ZIP code 38654 in?
ZIP code 38654 falls within Desoto County, Mississippi.
Is ZIP code 38654 mostly owner-occupied?
84% of occupied units in ZIP code 38654 are owner-occupied, well above the national average.
What is the population of ZIP code 38654?
ZIP code 38654 has an estimated population of 56,449 residents, with a density of 615 people per square mile.
What is the median household income in ZIP code 38654?
The median household income in ZIP code 38654 is $96,145, above the national median of ~$75,000.
What is the typical home value in ZIP code 38654?
The median home value in ZIP code 38654 is $261,900.
What timezone is ZIP code 38654 in?
ZIP code 38654 observes the CST timezone.