38632 Zip Code Detailed Profile




City: Hernando, MS (9.83%)
County: DeSoto County, MS
Estimated zip code population in 2013: 25,340
Zip code population in 2010: 24,377
Zip code population in 2000: 16,066

Houses and condos: 9,284
Renter-occupied apartments: 1,287
% of renters here:

15%
State:

33%
Mar. 2013 cost of living index in zip code 38632: 81.5 (low, U.S. average is 100)

Land area: 169.8 sq. mi.
Water area: 11.6 sq. mi.
Population density: 149 people per square mile 
 
 (very low).

Age and Sex of Residents in zip code 38632
Zip code 38632 (Hernando, Mississippi) real estate house value trends

Recent home sales, real estate maps, and home value estimator for zip code 38632

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Real estate property taxes paid for housing units in 2013:
This zip code:

0.6% ($1,087)
Mississippi:

0.8% ($778)
Median real estate property taxes paid for housing units with mortgages in 2013: $1,178 (0.6%)
Median real estate property taxes paid for housing units with no mortgage in 2013: $703 (0.5%)

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Males: 12,549  (49.5%)
Females: 12,791  (50.5%)

For population 25 years and over in 38632:

For population 15 years and over in 38632:

Zip code 38632 compared to state average:

  • Median household income above state average.
  • Median house value above state average.
  • Black race population percentage significantly below state average.
  • Renting percentage significantly below state average.
  • Length of stay since moving in below state average.
  • House age below state average.
  • Races in zip code 38632

  • Zip code 38632 races chart
    • 20,490White population
    • 2,771Black population
    • 54American Indian population
    • 206Asian population
    • 10Native Hawaiian and Other Pacific Islander population
    • 13Some other race population
    • 206Two or more races population
    • 627Hispanic or Latino population

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Urban population: 9,230
Rural population: 16,109

Estimated median house/condo value in 2013: $172,600
38632:

$172,600
Mississippi:

$97,500



According to our research of Mississippi and other state lists there were 26 registered sex offenders living in 38632 zip code as of June 29, 2016.
The ratio of number of residents in zip code 38632 to the number of sex offenders is 623 to 1.
The number of registered sex offenders compared to the number of residents in this zip code is smaller than the state average.


Median resident age:
This zip code:

38.6 years
Mississippi median age:

36.6 years
Average household size:
This zip code:

2.8 people
Mississippi:

2.7 people

Averages for the 2012 tax year for zip code 38632, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $62,252 (Individual Income Tax Returns)
Here:

$62,252
State:

$46,197

Salary/wage: $55,634 (reported on 84.7% of returns)
Here:

$55,634
State:

$38,549
(% of AGI for various income ranges: 74.9% for AGIs below $25k, 78.5% for AGIs $25k-50k, 80.0% for AGIs $50k-75k, 80.5% for AGIs $75k-100k, 83.3% for AGIs $100k-200k, 51.5% for AGIs over 200k)

Taxable interest for individuals: $1,377 (reported on 30.8% of returns)
This zip code:

$1,377
Mississippi:

$1,482
(% of AGI for various income ranges: 1.3% for AGIs below $25k, 0.6% for AGIs $25k-50k, 0.6% for AGIs $50k-75k, 0.5% for AGIs $75k-100k, 0.7% for AGIs $100k-200k, 0.8% for AGIs over 200k)

Ordinary dividends: $4,169 (reported on 15.1% of returns)
Here:

$4,169
State:

$5,401
(% of AGI for various income ranges: 1.0% for AGIs below $25k, 0.7% for AGIs $25k-50k, 0.5% for AGIs $50k-75k, 0.7% for AGIs $75k-100k, 0.7% for AGIs $100k-200k, 2.6% for AGIs over 200k)

Net capital gain/loss in AGI: +$9,491 (reported on 11.7% of returns)
Here:

+$9,491
State:

+$12,121
(% of AGI for various income ranges: 0.2% for AGIs $25k-50k, 0.3% for AGIs $50k-75k, 0.7% for AGIs $75k-100k, 0.9% for AGIs $100k-200k, 7.6% for AGIs over 200k)

Profit/loss from business: +$12,207 (reported on 17.8% of returns)
Here:

+$12,207
State:

+$10,220
(% of AGI for various income ranges: 7.1% for AGIs below $25k, 2.1% for AGIs $25k-50k, 2.2% for AGIs $50k-75k, 2.6% for AGIs $75k-100k, 2.6% for AGIs $100k-200k, 6.7% for AGIs over 200k)

Taxable individual retirement arrangement distribution: $13,248 (reported on 9.7% of returns)
38632:

$13,248
Mississippi:

$13,665
(% of AGI for various income ranges: 3.6% for AGIs below $25k, 2.1% for AGIs $25k-50k, 2.2% for AGIs $50k-75k, 2.2% for AGIs $75k-100k, 1.9% for AGIs $100k-200k, 1.4% for AGIs over 200k)

Self-employment retirement plans: $22,060 (reported on 0.5% of returns)
38632:

$22,060
Mississippi:

$17,701

Total itemized deductions: $21,733 (22% of AGI, reported on 42.0% of returns)
Here:

$21,733
State:

$22,078

Here:

21.5% of AGI
State:

21.8% of AGI
(% of AGI for various income ranges: 12.3% for AGIs below $25k, 13.2% for AGIs $25k-50k, 14.4% for AGIs $50k-75k, 16.1% for AGIs $75k-100k, 14.9% for AGIs $100k-200k, 15.0% for AGIs over 200k)

Charity contributions: $4,556 (reported on 36.0% of returns)
Here:

$4,556
State:

$6,081
(% of AGI for various income ranges: 1.7% for AGIs below $25k, 2.2% for AGIs $25k-50k, 2.4% for AGIs $50k-75k, 2.9% for AGIs $75k-100k, 2.8% for AGIs $100k-200k, 2.9% for AGIs over 200k)

Taxes paid: $5,968 (reported on 41.7% of returns)
38632:

$5,968
State:

$5,794
(% of AGI for various income ranges: 1.7% for AGIs below $25k, 2.4% for AGIs $25k-50k, 3.3% for AGIs $50k-75k, 4.1% for AGIs $75k-100k, 4.9% for AGIs $100k-200k, 4.8% for AGIs over 200k)

Earned income credit: $2,403 (reported on 17.0% of returns)
Here:

$2,403
State:

$2,710
(% of AGI for various income ranges: 7.9% for AGIs below $25k, 1.2% for AGIs $25k-50k)

Percentage of individuals using paid preparers for their 2012 taxes: 54.3%
Here:

54%
State:

60%
(% for various income ranges: 54.4% for AGIs below $25k, 51.9% for AGIs $25k-50k, 51.8% for AGIs $50k-75k, 53.6% for AGIs $75k-100k, 56.2% for AGIs $100k-200k, 79.3% for AGIs over 200k)

Averages for the 2004 tax year for zip code 38632, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $51,372 (Individual Income Tax Returns)
Here:

$51,372
State:

$36,110

Salary/wage: $45,293 (reported on 86.3% of returns)
Here:

$45,293
State:

$31,757
(% of AGI for various income ranges: 140.0% for AGIs below $10k, 75.9% for AGIs $10k-25k, 81.4% for AGIs $25k-50k, 83.7% for AGIs $50k-75k, 86.2% for AGIs $75k-100k, 62.4% for AGIs over 100k)

Taxable interest for individuals: $1,536 (reported on 36.4% of returns)
This zip code:

$1,536
Mississippi:

$1,649
(% of AGI for various income ranges: 5.0% for AGIs below $10k, 2.3% for AGIs $10k-25k, 1.2% for AGIs $25k-50k, 0.8% for AGIs $50k-75k, 0.7% for AGIs $75k-100k, 1.0% for AGIs over 100k)

Taxable dividends: $1,918 (reported on 17.4% of returns)
Here:

$1,918
State:

$3,089
(% of AGI for various income ranges: 2.7% for AGIs below $10k, 0.9% for AGIs $10k-25k, 0.6% for AGIs $25k-50k, 0.5% for AGIs $50k-75k, 0.4% for AGIs $75k-100k, 0.8% for AGIs over 100k)

Net capital gain/loss: +$17,275 (reported on 13.9% of returns)
Here:

+$17,275
State:

+$8,427
(% of AGI for various income ranges: -0.7% for AGIs below $10k, -0.2% for AGIs $10k-25k, 0.4% for AGIs $25k-50k, 0.5% for AGIs $50k-75k, 0.8% for AGIs $75k-100k, 12.2% for AGIs over 100k)

Profit/loss from business: +$12,980 (reported on 17.8% of returns)
Here:

+$12,980
State:

+$8,818
(% of AGI for various income ranges: 6.7% for AGIs below $10k, 5.8% for AGIs $10k-25k, 3.2% for AGIs $25k-50k, 2.8% for AGIs $50k-75k, 3.6% for AGIs $75k-100k, 6.2% for AGIs over 100k)

IRA payment deduction: $3,117 (reported on 2.0% of returns)
38632:

$3,117
Mississippi:

$3,024
(% of AGI for various income ranges: 0.1% for AGIs $10k-25k, 0.1% for AGIs $25k-50k, 0.1% for AGIs $50k-75k, 0.1% for AGIs $75k-100k, 0.1% for AGIs over 100k)

Self-employed pension: $19,153 (reported on 0.7% of returns)
Here:

$19,153
Mississippi:

$16,983

Total itemized deductions: $18,496 (22% of AGI, reported on 41.7% of returns)
Here:

$18,496
State:

$17,896

Here:

21.8% of AGI
State:

22.5% of AGI
(% of AGI for various income ranges: 11.9% for AGIs below $10k, 9.3% for AGIs $10k-25k, 14.2% for AGIs $25k-50k, 15.7% for AGIs $50k-75k, 16.9% for AGIs $75k-100k, 15.2% for AGIs over 100k)

Charity contributions deductions: $3,577 (4% of AGI, reported on 36.5% of returns)
Here:

$3,577
State:

$4,735

Here:

4.1% of AGI
State:

5.7% of AGI
(% of AGI for various income ranges: 0.9% for AGIs below $10k, 1.3% for AGIs $10k-25k, 2.2% for AGIs $25k-50k, 2.3% for AGIs $50k-75k, 2.9% for AGIs $75k-100k, 3.0% for AGIs over 100k)

Total tax: $7,373 (reported on 77.5% of returns)
38632:

$7,373
State:

$5,562
(% of AGI for various income ranges: 5.8% for AGIs below $10k, 3.7% for AGIs $10k-25k, 6.4% for AGIs $25k-50k, 8.7% for AGIs $50k-75k, 10.2% for AGIs $75k-100k, 16.8% for AGIs over 100k)

Earned income credit: $1,943 (reported on 16.0% of returns)
Here:

$1,943
State:

$2,107

Percentage of individuals using paid preparers for their 2004 taxes: 58.4%
Here:

58%
State:

65%
(% for various income ranges: 50.8% for AGIs below $10k, 64.8% for AGIs $10k-25k, 57.0% for AGIs $25k-50k, 55.4% for AGIs $50k-75k, 57.4% for AGIs $75k-100k, 66.3% for AGIs over 100k)

Estimated median household income in 2013:
This zip code:

$64,018
Mississippi:

$37,963
Hernando, MS (38632) map Nearest zip codes: 38651, 38618, 38672, 38637, 38671, 38680.
Percentage of family households:
This zip code:

60.8%
Mississippi:

52.2%
Percentage of households with unmarried partners:
This zip code:

2.5%
Mississippi:

4.9%
Likely homosexual households (counted as self-reported same-sex unmarried-partner households)

Household received Food Stamps/SNAP in the past 12 months: 659
Household did not receive Food Stamps/SNAP in the past 12 months: 8,176


Women who had a birth in the past 12 months: 249 (182 now married, 67 unmarried)
Women who did not have a birth in the past 12 months: 5,847 (3,256 now married, 2,591 unmarried)


Housing units in zip code 38632 with a mortgage: 5,560 (182 second mortgage, 692 home equity loan, 68 both second mortgage and home equity loan)
Houses without a mortgage: 1,988

Median monthly owner costs for units with a mortgage: $1,382
Median monthly owner costs for units without a mortgage: S368

Residents with income below the poverty level in 2013:
This zip code:

8.2%
Whole state:

24.0%
Residents with income below 50% of the poverty level in 2013:
This zip code:

5.0%
Whole state:

13.3%
Median number of rooms in houses and condos:
Here:

6.7
State:

6.0
Median number of rooms in apartments:
Here:

5.0
State:

4.7
  • Notable locations in this zip code not listed on our city pages

  • Click to draw/clear zip code borders
  • Notable locations in zip code 38632: Camp Currier (A), Frees Corners (B), Hernando Industrial Park (C), Highway Fiftyone Landing (D), Hernando Community Center (E), Hernando City Hall (F), First Regional Library (G), McIngvale Clock Museum (H), Magnolia Grove (I), Love Fire Department (J), Hernando Fire Department Station 1 (K), Eudora Fire Department (L), Hernando Fire Department Station 3 (M), Alphaba - Cockrum - Ingrams Mill Volunteer Fire Department Station 1 (N). Display/hide their locations on the map

    Churches in zip code 38632 include: Knights Church (A), Trinity Church (B), Sunrise Church (C), Pleasant Grove Church (D), Parkway Baptist Church (E), Holy Spirit Catholic Church (F), Hernando United Methodist Church (G), Hernando Church of Christ (H), Gateway Baptist Church (I). Display/hide their locations on the map

    Cemeteries: Spring Hill Cemetery (1), Old Love Cemetery (2), Perry Cemetery (3), New Bethany Cemetery (4), Mount Austin Cemetery (5), Love Cemetery (6), Knights Cemetery (7). Display/hide their locations on the map

    Reservoirs: Chief Chisca Lake (A), Deer Track Lake (B), Lake Greenwood Leflore (C), Koko Reef Lake (D), Lake Larue (E), Lake Mussacuma (F), Lake O' the Hills (G), Rain Cloud Lake (H). Display/hide their locations on the map

    Streams, rivers, and creeks: Holly Branch (A), Camp Creek (B), Cane Creek (C), Caney Creek (D), Cub Lake Bayou (E), Grays Creek (F), Hickahala Creek (G), Hurricane Creek (H), Jordan Creek (I). Display/hide their locations on the map

    Parks in zip code 38632 include: Hernando Point Public Use Area (1), North Abutment Public Use Area (2), Plantation Point Public Use Area (3), Pleasant Hill Public Use Area (4), Arkabutla State Waterfowl Refuge (5). Display/hide their locations on the map

Year house built

  • 952010 or later
  • 3,5212000 to 2009
  • 2,1781990 to 1999
  • 1,2181980 to 1989
  • 1,1521970 to 1979
  • 6331960 to 1969
  • 1981950 to 1959
  • 581940 to 1949
  • 2311939 or earlier

Zip code 38632 satellite photo by USGS

Owner-occupied Renter-occupied

Bedrooms in owner-occupied houses and condos in Hernando, MS (38632)

  • 0no bedroom
  • 561 bedroom
  • 7112 bedrooms
  • 4,3783 bedrooms
  • 1,8394 bedrooms
  • 5645+ bedrooms

Bedrooms in renter-occupied apartments in Hernando, MS (38632)

  • 32no bedroom
  • 3141 bedroom
  • 3642 bedrooms
  • 3613 bedrooms
  • 2164 bedrooms
  • 05+ bedrooms
Owner-occupied Renter-occupied

Cars and other vehicles available in Hernando, MS (38632) in owner-occupied houses/condos

  • 145no vehicle
  • 1,5551 vehicle
  • 3,3822 vehicles
  • 1,7353 vehicles
  • 4324 vehicles
  • 2995+ vehicles

Cars and other vehicles available in Hernando, MS (38632) in renter-occupied apartments

  • 193no vehicle
  • 5631 vehicle
  • 3132 vehicles
  • 1813 vehicles
  • 04 vehicles
  • 375+ vehicles

Median gross rent in 2013: $803.

Estimated median house (or condo) value in 2013 for:


Estimated median house or condo value in 2013: $172,600
38632:

$172,600
Mississippi:

$97,500
Lower value quartile - upper value quartile: $126,400 - $237,700

Mean price in 2013:

Detached houses: $201,670
Here:

$201,670
State:

$150,007

Townhouses or other attached units: $117,096
Here:

$117,096
State:

$144,982

Mobile homes: $73,472
Here:

$73,472
State:

$41,804

Owners and renters by unit type in %

Housing units in structures:


Unemployment: 8.0%

Percentage of zip code residents living and working in this county: 49.3%

Household type by relationship:

Households: 24,907

Size of family households: 2,833 2-persons, 1,434 3-persons, 1,848 4-persons, 428 5-persons, 262 6-persons, 125 7-or-more-persons

Size of nonfamily households: 1,753 1-person, 105 2-persons, 30 3-persons, 17 4-persons

4,944 married couples with children.
1,021 single-parent households (250 men, 771 women).

97.2% of residents of 38632 zip code speak English at home.
2.1% of residents speak Spanish at home (80% very well, 12% well, 4% not well, 4% not at all).
0.6% of residents speak other Indo-European language at home (88% very well, 12% well).
0.2% of residents speak Asian or Pacific Island language at home (65% very well, 35% well).

Foreign born population: 390 (1.5%)
(62.8% of them are naturalized citizens)
This zip code:

1.5%
Whole state:

2.1%

Most common places of birth for the foreign-born residents

  • 23%Mexico
  • 14%Germany
  • 12%China, excluding Hong Kong and Taiwan
  • 11%England
  • 9%Philippines
  • 8%Russia
  • 6%Japan

Most common first ancestries reported in 38632 (%)

  • 25%Other groups
  • 13%American
  • 9%English
  • 8%German
  • 7%Irish
  • 3%Italian
  • 3%Scotch-Irish

Year of entry for the foreign-born population

  • 322010 or later
  • 852000 to 2009
  • 961990 to 1999
  • 288Before 1990

Zip code 38632 topographic map

Major facilities with environmental interests located in this zip code:


Zip code 38632 marital status for males
Zip code 38632 marital status for females

Housing units lacking complete plumbing facilities: 0.6%
Housing units lacking complete kitchen facilities: 1.0%

Most commonly used house heating fuel

  • 49%Utility gas
  • 32%Electricity
  • 17%Bottled, tank, or LP gas
  • 1%Wood

Population in 1990: 10,894. Population change in the 1990s: +5,172 (+47.5%).

Place of birth for U.S.-born residents:


50% of the 38632 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 49% lived in this county.
   Out of people who lived in different counties, 50% lived in Mississippi.

90% of the 38632 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 52% moved from this county.
   Out of people who lived in different houses, 7% moved from different county within same state.
   Out of people who lived in different houses, 39% moved from different state.
   Out of people who lived in different houses, 1% moved from abroad.

Year Householders Moved Into Unit

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 321
Here:

10.6%
Mississippi:

10.0%
Students in private schools in grades 9 to 12 (high school): 353
Here:

20.6%
Mississippi:

11.4%
Students in private undergraduate colleges: 200
Here:

24.2%
Mississippi:

10.7%

Educational Attainment (%)

School Enrollment by Level of School (%)

Class of Workers (%)

Occupation by median earnings in the past 12 months ($)

  • 86,375Computer and mathematical occupations
  • 73,219Architecture and engineering occupations
  • 66,596Management occupations
  • 65,598Law enforcement workers including supervisors
  • 62,875Life, physical, and social science occupations
  • 61,386Business and financial operations occupations

Companies with federal contracts located in this zip code (HERNANDO, MS):

Top industries in this zip code by the number of employees in 2005:


Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)

Age and Sex of Physically-Disabled Residents (Noninstitutionalized)

Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)

Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)

Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)

Age and Sex of Residents with Employment Disability (Noninstitutionalized)

People in group quarters in 2010:

  • 228 people in local jails and other municipal confinement facilities
  • 20 people in group homes intended for adults
  • 8 people in residential treatment centers for juveniles (non-correctional)
  • 2 people in workers' group living quarters and job corps centers

People in group quarters in 2000:

  • 229 people in local jails and other confinement facilities (including police lockups)
  • 104 people in nursing homes
  • 12 people in other group homes
  • 11 people in homes or halfway houses for drug/alcohol abuse
  • 11 people in homes for the mentally ill

Fatal accident statistics in 2011:

  • Fatal accident count: 3
  • Vehicles involved in fatal accidents: 4
  • Fatal accidents caused by drunken drivers: 0
  • Fatalities: 3
  • Persons involved in fatal accidents: 7
  • Pedestrians involved in fatal accidents: 1

Fatal accident statistics in 2010:

  • Fatal accident count: 4
  • Vehicles involved in fatal accidents: 7
  • Fatal accidents caused by drunken drivers: 0
  • Fatalities: 5
  • Persons involved in fatal accidents: 14
  • Pedestrians involved in fatal accidents: 0
Home Mortgage Disclosure Act Aggregated Statistics For Year 2009
(Based on 2 full and 8 partial tracts)
A) FHA, FSA/RHS & VA
Home Purchase Loans
B) Conventional
Home Purchase Loans
C) Refinancings
D) Home Improvement Loans
E) Loans on Dwellings For 5+ Families
F) Non-occupant Loans on
< 5 Family Dwellings (A B C & D)
G) Loans On Manufactured
Home Dwelling (A B C & D)
NumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED351$162,770237$168,1991,241$169,41161$39,4635$471,622133$165,90217$48,741
APPLICATIONS APPROVED, NOT ACCEPTED4$135,19511$179,18394$168,2374$117,2000$03$256,5831$64,440
APPLICATIONS DENIED47$168,22532$159,757360$174,61735$42,2170$018$82,24336$69,046
APPLICATIONS WITHDRAWN25$155,97323$150,379296$165,1156$56,1220$07$121,7141$67,870
FILES CLOSED FOR INCOMPLETENESS1$62,9401$83,92071$152,9526$93,5100$02$198,2705$47,612
Choose year:  2009 2008 2007 2006 2005 2004 2003
Private Mortgage Insurance Companies Aggregated Statistics For Year 2009
(Based on 2 full and 8 partial tracts)
A) Conventional
Home Purchase Loans
B) Refinancings
C) Non-occupant Loans on
< 5 Family Dwellings (A & B)
NumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED34$241,91153$218,1590$0
APPLICATIONS APPROVED, NOT ACCEPTED8$206,3468$180,5500$0
APPLICATIONS DENIED3$202,54012$233,2630$0
APPLICATIONS WITHDRAWN7$239,2110$00$0
FILES CLOSED FOR INCOMPLETENESS0$012$192,6402$68,720
Choose year:  2009 2008 2007 2006 2005 2004 2003

Conventional Home Purchase Loans

Conventional Home Purchase Loans - Value

Most common first names in zip code 38632 among deceased individuals
NameCountLived (average)
James12270.7 years
William10773.7 years
Mary9878.1 years
John8274.1 years
Robert6669.2 years
Charles6369.6 years
George4873.6 years
Willie4772.8 years
Henry4076.4 years
Thomas3271.5 years
Most common last names in zip code 38632 among deceased individuals
Last nameCountLived (average)
Jones6074.6 years
Johnson5973.3 years
White5376.5 years
Smith4476.8 years
Williams3774.7 years
Davis2976.6 years
Harris2878.5 years
Jackson2575.7 years
Scott2575.8 years
Oliver2272.6 years
Businesses in zip code 38632
NameCountNameCount
AT&T1Papa John's Pizza1
Arby's1Penske1
AutoZone1Pizza Hut1
Circle K1SONIC Drive-In1
Days Inn1Subway2
Domino's Pizza1Super 81
FedEx2T-Mobile1
GameStop1Taco Bell1
Goodwill1U-Haul1
H&R Block1UPS4
KFC1Waffle House1
Kroger1Walgreens1
McDonald's1Walmart1
Nike1Wendy's1

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