Waterford ZIP Codes — Marshall County, MS

There is one unique ZIP code in Waterford, Mississippi and it is 38685. Area code: 662.
1
ZIP codes
83.75
sq mi land
1.64
sq mi water
662
area code
Waterford, MS ZIP code map

About Waterford, MS

Waterford, Mississippi, is a quaint town located in Marshall County. Known for its small-town charm and Southern hospitality, it offers residents a close-knit community atmosphere. Surrounded by beautiful landscapes, Waterford is an ideal place for those looking to escape the hustle and bustle of city life.

Location & geography

Waterford is situated in the northwestern part of Mississippi, approximately 20 miles south of Memphis, Tennessee. The town covers a land area of 83.75 square miles and includes a water area of 1.64 square miles, which contributes to its picturesque scenery. The surrounding terrain consists of rolling hills and lush greenery, with nearby cities including Holly Springs, which lies about 10 miles to the east, and Oxford, located roughly 25 miles to the south.

Community & economy

The character of Waterford is shaped by its friendly residents and a strong sense of community. The local economy primarily revolves around agriculture and small businesses, with various industries contributing to the livelihood of its inhabitants. Daily life in Waterford often includes community gatherings and events that foster a spirit of togetherness among its residents.

Transportation

Waterford is accessible via several highways, including Highway 7, which connects residents to larger cities and essential services. The nearest major airport is Memphis International Airport, located about 25 miles to the north, offering various domestic and international flights. Local public transportation options are limited, making personal vehicles the most common mode of transport in the area.

History

Waterford was established in the 19th century and has remained a small yet vibrant community over the years. The town has historically focused on agriculture as a key industry, with farming playing a significant role in the local economy. Notable events, including seasonal festivals, help celebrate the town's heritage and foster community spirit.

Did you know?

One little-known fact about Waterford is that it is home to a strong agricultural heritage, often recognized for its contributions to Mississippi's farming sector. Additionally, the town's proximity to larger cities like Memphis offers residents a unique blend of rural tranquility and urban amenities.

ZIP codes for Waterford, MS (1)
ZIP code City County Map
38685 Waterford Marshall View map

Demographics & statistics

1,120
Population
64.0
Median age
$49,861
Median household income
$44,094
Per capita income
$203,800
Median home value
$0
Median monthly rent
89.0%
Home ownership
12.4%
Poverty rate
8.7%
Unemployment
542
Housing units
5.5%
Bachelor's or higher

Age distribution

Male Female
4
15–19
3
33
20–24
29
5
25–34
4
51
35–44
46
90
45–54
79
69
55–59
62
99
60–64
87
52
65–74
46
191
75–84
170
← Male
Female →

Age summary

GroupCount%
Under 1870.6%
18 and over1,11399.4%
65 and over45941.0%
Median age64.0 years

Race & ethnicity

White 75.8%
Black or African American 23.3%
Native Hawaiian / Pacific Islander 0.9%
GroupCount%
White84975.8%
Black or African American26123.3%
Native Hawaiian / Pacific Islander100.9%

Household income

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%
Range% of households
Under $10k13.2%
$10k–$15k2.3%
$15k–$25k7.3%
$25k–$35k11.0%
$35k–$50k16.5%
$50k–$75k18.3%
$75k–$100k5.3%
$100k–$150k1.1%
$150k–$200k7.1%
$200k+17.8%
Median income$49,861

Housing

Home values

Under $50k 1.8%
$50k–$100k 26.4%
$100k–$150k 17.8%
$150k–$200k 3.2%
$200k–$300k 14.6%
$300k–$500k 16.2%
$500k–$1M 20.0%

Housing overview

MetricValue
Median home value$203,800
Median rent / month$0
Owner occupied89.0%
Renter occupied11.0%
Vacant7.0%
Single-family detached80.3%
Large apartment buildings0.0%
Mobile homes18.0%
Median rooms6.2
Avg household size (owned)2.12

Year built

Era%
2020 or later0.0%
2010–20196.6%
2000–200914.6%
1990–199915.9%
1980–198932.3%
1970–197912.6%
1960–196913.1%
1950–19590.0%
1940–19493.3%
1939 or earlier1.7%

Bedrooms

Size% of units
No bedroom (studio)0.0%
1 bedroom0.0%
2 bedrooms14.6%
3 bedrooms70.5%
4 bedrooms8.6%
5+ bedrooms6.3%

Vehicles per household

Vehicles% of households
No vehicle11.0%
1 vehicle10.9%
2 vehicles51.1%
3 or more27.0%

Heating fuel

Fuel type%
Utility gas9.3%
Electricity1.8%
Propane / LP gas83.8%
Wood3.4%
No fuel used1.8%

Households & families

Household typeCount%
Married-couple family38468.3%
Cohabiting couple00.0%
Male householder, no spouse6812.1%
Female householder, no spouse11019.6%
Households with children under 1861.1%
Households with seniors (65+)24643.8%
Average household size1.99

Marital status

StatusMaleFemale
Never married27.9%4.2%
Married65.8%79.1%
Separated1.2%8.0%
Widowed0.0%4.9%
Divorced5.1%3.8%

Education

Less than 9th grade 1.6%
Some HS, no diploma 11.6%
HS graduate 48.7%
Some college, no degree 32.5%
Associate's degree 0.0%
Bachelor's degree 2.1%
Graduate / professional 3.4%
Metric%
HS diploma or higher86.8%
Bachelor's or higher5.5%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool00.0%
Kindergarten00.0%
Elementary school00.0%
High school712.5%
College / grad school4987.5%

Employment

Industry of employment

Manufacturing 55.3%
Education & healthcare 16.2%
Retail trade 13.2%
Transportation & utilities 10.2%
Arts, food & hospitality 4.3%
Public administration 0.9%

Occupation

Category%
Management, business & arts44.3%
Service0.0%
Sales & office17.4%
Natural resources & construction12.1%
Production & transportation26.2%

Employment type

Type%
Private sector68.5%
Government14.3%
Self-employed14.5%
Unpaid family workers2.8%

Commute

Method%
Drive alone81.1%
Carpool18.9%
Public transit0.0%
Walk0.0%
Other means0.0%
Avg commute (minutes)24.1

Poverty

All people 12.4%
Under 18 years 0.0%
18 and over 12.5%
Married-couple families 2.1%
Female-led households 14.3%

Income support

Source% of households
Social Security63.7%
Retirement income30.1%
Supplemental Security6.6%
Cash public assistance0.0%
Food stamps / SNAP3.4%

Health indicators

Condition%
High blood pressure46.3%
High cholesterol38.0%
Heart disease7.7%
Stroke4.4%
Asthma10.1%
Arthritis31.6%
Kidney disease3.6%
Pulmonary disease8.5%
Cancer6.2%
Behavior / access%
Binge drinking13.4%
No physical activity31.1%
Less than 7 hrs sleep35.9%
Fair or poor health22.5%
Poor mental health14.9%
Poor physical health12.3%
No health insurance19.8%
Visited doctor (checkup)78.3%
Visited dentist49.6%
Cholesterol screening90.1%
Teeth loss21.2%

Veterans & disability

VeteransCount%
Civilian veterans19617.6%
Disability%
Any disability38.7%
Under 180.0%
18–64 years19.9%
65 and over66.0%

Health insurance coverage

Type%
Private insurance72.9%
Public insurance49.6%
Uninsured under 190.0%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only1,120100.0%
Spanish403.6%
Other Indo-European00.0%
Asian & Pacific Islander403.6%
Other languages00.0%

Place of birth & citizenship

OriginCount%
Native born (US)1,120100.0%
Born in same state1,120100.0%
Born in different state56850.7%
Foreign born00.0%
Naturalized citizen00.0%
Not a US citizen00.0%

Ancestry

AncestryCount%
French27824.8%
Arab353.1%
AncestryCount%
Italian131.2%

Technology access

Metric% of households
Computer access50.2%
Internet access87.4%

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

Frequently asked questions
What ZIP codes does Waterford, MS have?
Waterford, MS has one ZIP code: 38685. Each ZIP code serves a distinct delivery area within the city and surrounding region.
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