ZipCodesToGo
Mississippi ZIP Codes
Marshall County
Waterford, MS
38685
38685 ZIP Code — Waterford, MS
Marshall County, Mississippi
ZIP code 38685 is located in
Waterford ,
Mississippi ,
within Marshall County .
It covers approximately 83.75 square miles and serves a population of
1,120 residents.
This is a standard ZIP code in the Central (CT) timezone,
served by area code 662 .
About ZIP code 38685
The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $203,800. Owner-occupancy is high at 89%, well above the national average.
The gap between median ($49,861) and mean household income suggests income inequality — a small number of higher earners pull the average up. 64% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is management, business, and professional, with manufacturing as the leading industry. The average commute of 24 minutes is near the national average.
College attainment at 6% is below the national average, consistent with a trades and production-oriented local economy.
Health indicators show elevated rates of smoking (23%) compared to national benchmarks.
Notable community characteristics include a notable veteran presence at 18% of civilians, above the national average of 7%; and disability rates above the national average at 39%.
Overall, ZIP code 38685 reflects a community defined by a trades-oriented workforce, a strong veteran community, high homeownership, and a significant Social Security-dependent population.
38685 ZIP code map
View map of 38685
Cities in ZIP code 38685
Below are the cities the US Postal Service accepts for ZIP code 38685. Using any city not on this list may result in mail delivery delays.
Nearby ZIP codes
Demographics
updated 05/2026
Population
Total population
1,120
Population density
13 / sq mi
State FIPS
28
County FIPS
093
Geography
Land area
83.75 sq mi
Water area
1.64 sq mi
Latitude
34.6243
Longitude
-89.5113
Timezone
Central (CT)
Area code
662
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
41.5%
54.0%
52.9%
$50k – $100k
20.0%
27.6%
28.4%
$100k – $200k
11.7%
15.2%
15.3%
Over $200k
26.9%
3.2%
3.4%
Demographics & statistics
$49,861
Median household income
$203,800
Median home value
Age distribution
Age summary
Group Count % Under 18 7 0.6% 18 and over 1,113 99.4% 65 and over 459 41.0% Median age 64.0 years
Race & ethnicity
Black or African American
23.3%
Native Hawaiian / Pacific Islander
0.9%
Group Count % White 849 75.8% Black or African American 261 23.3% Native Hawaiian / Pacific Islander 10 0.9%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
41.5%
54.0%
52.9%
$50k – $100k
20.0%
27.6%
28.4%
$100k – $200k
11.7%
15.2%
15.3%
Over $200k
26.9%
3.2%
3.4%
Range % of households Under $10k 13.2% $10k–$15k 2.3% $15k–$25k 7.3% $25k–$35k 11.0% $35k–$50k 16.5% $50k–$75k 18.3% $75k–$100k 5.3% $100k–$150k 1.1% $150k–$200k 7.1% $200k+ 17.8% Median income $49,861
Housing
Housing overview
Metric Value Median home value $203,800 Median rent / month $0 Owner occupied 89.0% Renter occupied 11.0% Vacant 7.0% Single-family detached 80.3% Large apartment buildings 0.0% Mobile homes 18.0% Median rooms 6.2 Avg household size (owned) 2.12
Year built
Era % 2020 or later 0.0% 2010–2019 6.6% 2000–2009 14.6% 1990–1999 15.9% 1980–1989 32.3% 1970–1979 12.6% 1960–1969 13.1% 1950–1959 0.0% 1940–1949 3.3% 1939 or earlier 1.7%
Bedrooms
Size % of units No bedroom (studio) 0.0% 1 bedroom 0.0% 2 bedrooms 14.6% 3 bedrooms 70.5% 4 bedrooms 8.6% 5+ bedrooms 6.3%
Vehicles per household
Vehicles % of households No vehicle 11.0% 1 vehicle 10.9% 2 vehicles 51.1% 3 or more 27.0%
Heating fuel
Fuel type % Utility gas 9.3% Electricity 1.8% Propane / LP gas 83.8% Wood 3.4% No fuel used 1.8%
Households & families
Household type Count % Married-couple family 384 68.3% Cohabiting couple 0 0.0% Male householder, no spouse 68 12.1% Female householder, no spouse 110 19.6% Households with children under 18 6 1.1% Households with seniors (65+) 246 43.8% Average household size 1.99
Marital status
Status Male Female Never married 27.9% 4.2% Married 65.8% 79.1% Separated 1.2% 8.0% Widowed 0.0% 4.9% Divorced 5.1% 3.8%
Education
Some HS, no diploma
11.6%
Some college, no degree
32.5%
Graduate / professional
3.4%
Metric % HS diploma or higher 86.8% Bachelor's or higher 5.5%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 0 0.0% Kindergarten 0 0.0% Elementary school 0 0.0% High school 7 12.5% College / grad school 49 87.5%
Employment
Industry of employment
Education & healthcare
16.2%
Transportation & utilities
10.2%
Arts, food & hospitality
4.3%
Public administration
0.9%
Occupation
Category % Management, business & arts 44.3% Service 0.0% Sales & office 17.4% Natural resources & construction 12.1% Production & transportation 26.2%
Employment type
Type % Private sector 68.5% Government 14.3% Self-employed 14.5% Unpaid family workers 2.8%
Commute
Method % Drive alone 81.1% Carpool 18.9% Public transit 0.0% Walk 0.0% Work from home 0.0% Other means 0.0% Avg commute (minutes) 24.1
Poverty
Married-couple families
2.1%
Female-led households
14.3%
Income support
Source % of households Social Security 63.7% Retirement income 30.1% Supplemental Security 6.6% Cash public assistance 0.0% Food stamps / SNAP 3.4%
Health indicators
Condition % Obesity 42.8% High blood pressure 46.3% High cholesterol 38.0% Diabetes 14.7% Heart disease 7.7% Stroke 4.4% Asthma 10.1% Arthritis 31.6% Kidney disease 3.6% Pulmonary disease 8.5% Cancer 6.2%
Behavior / access % Smoking 22.5% Binge drinking 13.4% No physical activity 31.1% Less than 7 hrs sleep 35.9% Depression 20.9% Fair or poor health 22.5% Poor mental health 14.9% Poor physical health 12.3% No health insurance 19.8% Visited doctor (checkup) 78.3% Visited dentist 49.6% Cholesterol screening 90.1% Teeth loss 21.2%
Veterans & disability
Veterans Count % Civilian veterans 196 17.6%
Disability % Any disability 38.7% Under 18 0.0% 18–64 years 19.9% 65 and over 66.0%
Health insurance coverage
Type % Private insurance 72.9% Public insurance 49.6% No insurance 5.5% Uninsured under 19 0.0%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 1,120 100.0% Spanish 40 3.6% Other Indo-European 0 0.0% Asian & Pacific Islander 40 3.6% Other languages 0 0.0%
Place of birth & citizenship
Origin Count % Native born (US) 1,120 100.0% Born in same state 1,120 100.0% Born in different state 568 50.7% Foreign born 0 0.0% Naturalized citizen 0 0.0% Not a US citizen 0 0.0%
Ancestry
Ancestry Count % French 278 24.8% Arab 35 3.1%
Ancestry Count % Italian 13 1.2%
Technology access
Metric % of households Computer access 50.2% Internet access 87.4%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 38685
What city is ZIP code 38685 in?
ZIP code 38685 is primarily assigned to Waterford, Mississippi.
What county is ZIP code 38685 in?
ZIP code 38685 falls within Marshall County, Mississippi.
Does ZIP code 38685 have an older population?
41% of residents in ZIP code 38685 are 65 or older, above the national average of ~17%.
Does ZIP code 38685 have a large retiree population?
64% of households in ZIP code 38685 receive Social Security income, suggesting a significant retiree or disability population.
How educated is the population of ZIP code 38685?
6% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.
Is ZIP code 38685 mostly owner-occupied?
89% of occupied units in ZIP code 38685 are owner-occupied, well above the national average.
What timezone is ZIP code 38685 in?
ZIP code 38685 observes the CST timezone.
Need the complete ZIP code database?
Download all 42,000+ US ZIP codes — Excel, CSV, or Access. Includes lat/lng, county FIPS & timezone.
Download database →
