38863 ZIP Code — Pontotoc, MS

Pontotoc County, Mississippi

ZIP code 38863 is located in Pontotoc, Mississippi, within Pontotoc County. It covers approximately 289.80 square miles and serves a population of 18,465 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 662.

About ZIP code 38863

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $139,600. Owner-occupancy sits near the national average at 70%.

Median household income is $54,641. 33% 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 26 minutes is near the national average.

College attainment at 20% 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.

Overall, ZIP code 38863 reflects a community defined by a trades-oriented workforce and a significant Social Security-dependent population.

18,465

population

289.80

sq mi land

Standard

ZIP type

Central (CT)

timezone

38863 ZIP code map

Cities in ZIP code 38863

Below are the cities the US Postal Service accepts for ZIP code 38863. Using any city not on this list may result in mail delivery delays.

City	Status
Pontotoc	Acceptable
Pontotoc	Preferred

Nearby ZIP codes

38841 Ecru (9 mi) 38850 Houlka (10.3 mi) 38864 Randolph (11.9 mi) 38826 Belden (12 mi) 38871 Thaxton (13.1 mi) 38801 Tupelo (15.4 mi) 38828 Blue Springs (16.7 mi) 38828 Blue Springs (16.7 mi) 38627 Etta (17.1 mi) 38868 Shannon (18 mi) 38652 New Albany (18.3 mi) 38949 Paris (18.6 mi)

Demographics updated 05/2026

Population
Total population	18,465
Population density	64 / sq mi
State FIPS	28
County FIPS	115

Geography
Land area	289.80 sq mi
Water area	1.70 sq mi
Latitude	34.2273
Longitude	-89.0352
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	50.0%	51.4%	52.9%
$50k – $100k	34.0%	33.0%	28.4%
$100k – $200k	14.0%	13.7%	15.3%
Over $200k	1.9%	1.9%	3.4%

Demographics & statistics

18,465

Population

People per sq mi

36.6

Median age

$54,641

Median household income

$26,940

Per capita income

$139,600

Median home value

$814

Median monthly rent

69.7%

Home ownership

16.8%

Poverty rate

3.3%

Unemployment

6,085

Housing units

19.8%

Bachelor's or higher

Age distribution

Male Female

578

Under 5

656

712

5–9

808

634

10–14

720

500

15–19

568

370

20–24

419

1,275

25–34

1,448

991

35–44

1,125

1,082

45–54

1,228

604

55–59

685

583

60–64

661

768

65–74

872

388

75–84

440

164

85+

186

← Male

Female →

Age summary

Group	Count	%
Under 18	4,875	26.4%
18 and over	13,590	73.6%
65 and over	2,818	15.3%
Median age	36.6 years

Race & ethnicity

White 68.9%

Black or African American 15.7%

Hispanic or Latino 6.3%

Other race 5.4%

Two or more races 3.5%

American Indian / Alaska Native 0.3%

Group	Count	%
White	13,573	68.9%
Black or African American	3,086	15.7%
Hispanic or Latino	1,237	6.3%
Other race	1,058	5.4%
Two or more races	696	3.5%
American Indian / Alaska Native	52	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	50.0%	51.4%	52.9%
$50k – $100k	34.0%	33.0%	28.4%
$100k – $200k	14.0%	13.7%	15.3%
Over $200k	1.9%	1.9%	3.4%

Under $10k 7.3%

$10k–$15k 4.1%

$15k–$25k 9.5%

$25k–$35k 11.3%

$35k–$50k 14.2%

$50k–$75k 17.2%

$75k–$100k 14.3%

$100k–$150k 14.8%

$150k–$200k 4.9%

$200k+ 2.3%

Range	% of households
Under $10k	7.3%
$10k–$15k	4.1%
$15k–$25k	9.5%
$25k–$35k	11.3%
$35k–$50k	14.2%
$50k–$75k	17.2%
$75k–$100k	14.3%
$100k–$150k	14.8%
$150k–$200k	4.9%
$200k+	2.3%
Median income	$54,641

Housing

Home values

Under $50k 14.3%

$50k–$100k 19.1%

$100k–$150k 21.0%

$150k–$200k 15.3%

$200k–$300k 19.0%

$300k–$500k 9.3%

$500k–$1M 0.6%

$1M+ 1.3%

Housing overview

Metric	Value
Median home value	$139,600
Median rent / month	$814
Owner occupied	69.7%
Renter occupied	30.3%
Vacant	15.3%
Single-family detached	68.9%
Large apartment buildings	0.5%
Mobile homes	23.8%
Median rooms	5.9
Avg household size (owned)	2.60

Year built

Era	%
2020 or later	0.7%
2010–2019	8.5%
2000–2009	15.0%
1990–1999	18.9%
1980–1989	12.0%
1970–1979	15.5%
1960–1969	8.7%
1950–1959	12.0%
1940–1949	2.1%
1939 or earlier	6.8%

Bedrooms

Size	% of units
No bedroom (studio)	4.2%
1 bedroom	7.0%
2 bedrooms	17.3%
3 bedrooms	49.2%
4 bedrooms	19.5%
5+ bedrooms	2.8%

Vehicles per household

Vehicles	% of households
No vehicle	3.1%
1 vehicle	29.3%
2 vehicles	34.0%
3 or more	33.6%

Heating fuel

Fuel type	%
Utility gas	36.9%
Electricity	52.5%
Propane / LP gas	7.4%
Wood	2.7%

Households & families

Household type	Count	%
Married-couple family	3,646	52.6%
Cohabiting couple	220	3.2%
Male householder, no spouse	999	14.4%
Female householder, no spouse	2,067	29.8%
Households with children under 18	2,725	39.3%
Households with seniors (65+)	2,200	31.7%
Average household size	2.63

Marital status

Status	Male	Female
Never married	26.2%	22.3%
Married	61.8%	48.3%
Separated	0.7%	3.9%
Widowed	3.4%	14.5%
Divorced	7.9%	11.1%

Education

Less than 9th grade 7.6%

Some HS, no diploma 9.2%

HS graduate 28.5%

Some college, no degree 23.8%

Associate's degree 11.0%

Bachelor's degree 11.1%

Graduate / professional 8.7%

Metric	%
HS diploma or higher	83.1%
Bachelor's or higher	19.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	497	11.1%
Kindergarten	290	6.5%
Elementary school	2,164	48.2%
High school	868	19.3%
College / grad school	667	14.9%

Employment

Industry of employment

Education & healthcare 24.0%

Manufacturing 19.5%

Retail trade 14.5%

Finance & real estate 8.5%

Transportation & utilities 7.0%

Arts, food & hospitality 5.9%

Construction 4.9%

Other services 4.8%

Professional & management 4.7%

Public administration 2.7%

Information 1.3%

Agriculture & mining 1.1%

Wholesale trade 1.0%

Occupation

Category	%
Management, business & arts	27.5%
Service	16.0%
Sales & office	25.0%
Natural resources & construction	6.9%
Production & transportation	24.6%

Employment type

Type	%
Private sector	80.9%
Government	15.2%
Self-employed	3.6%
Unpaid family workers	0.3%

Commute

Method	%
Drive alone	84.9%
Carpool	11.6%
Public transit	0.0%
Walk	0.2%
Work from home	1.8%
Other means	1.5%
Avg commute (minutes)	25.9

Poverty

All people 16.8%

Under 18 years 27.2%

18 and over 13.1%

Married-couple families 5.9%

Female-led households 36.6%

Income support

Source	% of households
Social Security	33.4%
Retirement income	20.9%
Supplemental Security	5.9%
Cash public assistance	1.3%
Food stamps / SNAP	10.7%

Health indicators

Condition	%
Obesity	39.3%
High blood pressure	39.6%
High cholesterol	36.6%
Diabetes	11.9%
Heart disease	7.5%
Stroke	3.9%
Asthma	9.9%
Arthritis	29.7%
Kidney disease	3.3%
Pulmonary disease	8.5%
Cancer	6.4%

Behavior / access	%
Smoking	21.1%
Binge drinking	14.0%
No physical activity	28.9%
Less than 7 hrs sleep	32.4%
Depression	23.2%
Fair or poor health	20.5%
Poor mental health	15.7%
Poor physical health	12.0%
No health insurance	20.9%
Visited doctor (checkup)	76.0%
Visited dentist	54.6%
Cholesterol screening	87.3%
Teeth loss	18.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	876	6.4%

Disability	%
Any disability	18.3%
Under 18	3.4%
18–64 years	18.0%
65 and over	47.1%

Health insurance coverage

Type	%
Private insurance	63.2%
Public insurance	36.7%
No insurance	11.0%
Uninsured under 19	2.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	17,231	93.3%
Spanish	546	3.2%
Other Indo-European	529	3.1%
Asian & Pacific Islander	17	0.1%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	17,934	97.1%
Born in same state	17,790	96.3%
Born in different state	14,056	76.1%
Foreign born	144	0.8%
Naturalized citizen	531	2.9%
Not a US citizen	132	24.9%

Ancestry

Ancestry	Count	%
Arab	3,203	17.3%
Italian	1,556	8.4%

Ancestry	Count	%
French	1,381	7.5%
English	100	0.5%

Technology access

Metric	% of households
Computer access	37.5%
Internet access	87.6%

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

Frequently asked questions about ZIP code 38863

What city is ZIP code 38863 in?

ZIP code 38863 is primarily assigned to Pontotoc, Mississippi.

What county is ZIP code 38863 in?

ZIP code 38863 falls within Pontotoc County, Mississippi.

What is the poverty rate in ZIP code 38863?

17% of residents in ZIP code 38863 live below the poverty line, above the national average.

What is the typical home value in ZIP code 38863?

The median home value in ZIP code 38863 is $139,600.

What is the population of ZIP code 38863?

ZIP code 38863 has an estimated population of 18,465 residents, with a density of 64 people per square mile.

What is the median household income in ZIP code 38863?

The median household income in ZIP code 38863 is $54,641, below the national median of ~$75,000.

What timezone is ZIP code 38863 in?

ZIP code 38863 observes the CST timezone.