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US ZIP Code Profile

ZIP Code 38685
Waterford, Mississippi

ZIP code 38685 is in Waterford, located in Marshall County, Mississippi, within the Memphis metro area. Its 2020 Census population was 1,317. The estimated median adjusted gross income per tax return is $37,500.

2020 Population
1,317
Census ZCTA
County
Marshall
FIPS 28093
Median income (est.)
$37,500
IRS SOI 2022
Land Area
89.379 mi²
+ 1.644 mi² water

01Location & Geography

Authoritative geographic identifiers from the U.S. Census Bureau, ANSI, and FIPS standards.

Primary CityWaterford, MS
CountyMarshall County (FIPS 28093)
StateMississippi (FIPS 28)
Metro Area (MSA)Memphis, TN-MS-AR Metro Area (32820)
Census Region / DivisionSouth Region · East South Central Division
Coordinates34.59307, -89.48849
Land / Water Area89.379 mi² land · 1.644 mi² water

02Income & Economics

Distribution of the 520 individual tax returns filed in 38685 by adjusted gross income bracket (IRS SOI, 2022).

< $25K
34.6%
$25K–$50K
30.8%
$50K–$75K
15.4%
$75K–$100K
7.7%
$100K–$200K
11.5%
$200K+
0.0%
Estimated median = median adjusted gross income per tax return, interpolated from IRS SOI brackets. Differs from U.S. Census household income.

03Income Over Time

Year-over-year change in 38685's IRS income metrics, 2020–2022.

Median income (2021→2022)
$37,500
▲ 15.4%
Filers earning $200K+
0.0%
▲ 0.0 pt
Total filers
520
▼ 5.5%
GET /zipc/v2/zipcodes/38685/soi?year=… $32K 2020 $32K 2021 $38K 2022
Median = adjusted gross income per return, interpolated from IRS SOI brackets. Figures are nominal (not inflation-adjusted).

04Population Trend

Decennial U.S. Census population for the 38685 ZCTA.

2000
84
 
2010
1,347
▲ +1503.6%
2020
1,317
▼ -2.2%

05USPS Postal Details

Delivery and facility attributes from the monthly USPS dataset.

ZIP ClassificationNon-Unique Zip
Facility TypePost Office
Carrier Route SortC
USPS Finance Number278892
City AliasesBlackwater, Laws Hill, Waterford

06Frequently Asked Questions

What county is ZIP code 38685 in?

ZIP code 38685 is in Marshall County, Mississippi (county FIPS code 28093).

What city is ZIP code 38685?

The primary USPS city for 38685 is Waterford, MS.

What metro area (MSA) is 38685 in?

38685 is part of the Memphis, TN-MS-AR Metro Area (MSA code 32820).

What is the population of ZIP code 38685?

The 2020 Census population of 38685 was 1,317 residents.

What is the median income in ZIP code 38685?

Based on IRS Statistics of Income data, the estimated median adjusted gross income per tax return in 38685 is about $37,500. Note that adjusted gross income is a tax measure and differs from U.S. Census household income.