ZIP 38685 · Waterford
Who lives in ZIP code 38685 (Waterford, MS): age, income, housing, education and work.
Source: uszips 2026 (ACS-based ZIP file)
2026 ZIP profile
Waterford, MS · Marshall County
uszips 2026
People1,301
Median age61.4
Household income$41,210
Home value—
Median rent—
Poverty19.4%
College degree+3.8%
Commute17 min
Place
- Metro area
- Memphis, TN-MS-AR
- Wider region
- Memphis-Clarksdale-Forrest City, TN-MS-AR
- Time zone
- Central
- Density
- 6 / sq mi
- Housing units
- 586
Spans 2 counties
Share of the ZIP's people in each county.
Age mix
43.4% are 65 or older; 93.9% are adults.
Household income
22.4% of households earn $100K+. Median per person: $17,626.
Education (adults 25+)
44.2% of degrees are in STEM fields.
Race
0.6% Hispanic or Latino (of any race).
Households & family
- Married
- 65.5%
- Never married
- 22.2%
- Divorced
- 11.2%
- Widowed
- 1.1%
- Family size
- 2.51
- Dual-income families
- 13.3%
Housing
- Own their home
- 95.1%
- Rent burden
- —
- Men / women
- 52% / 48%
Work
- In labor force
- 39.4%
- Unemployment
- 6.2%
- Self-employed
- 10.7%
- Farmers
- 5.4%
Community
- Charitable givers
- 16.1%
- Veterans
- 16.0%
- With a disability
- 37.9%
- No health insurance
- 7.5%
- Limited English
- 0.0%
Source: uszips 2026 (ACS-based ZIP file). Shares are percentages of people, households or adults as the measure implies.