ZIP Code 38620 — Courtland town, MS Demographics & Data

ZIP code 38620 covers Courtland, MS in Panola County with a population of about 3,639.

At a glance, the area shows median age of 32.7 versus a U.S. median of about 38.9.

It sits in telephone area code 662; U.S. House district MS-2; the MEMPHIS media market.

Median household income in ZIP 38620 is about $46,167 — about 39% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 20.9%; unemployment rate near 12.0%; 12.7% of adults with a bachelor’s degree or higher (about 21.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Transportation; about 0.7% of workers reporting work-from-home (about 14.5 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $105,600 — about 70% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $482 (about 59% below the U.S. median rent ($1,163)), and owner-occupancy near 82.8% (about 17.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 38620 in Courtland, MS, a household would need roughly $29,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $678. That sits below the local median household income ($46,167), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Courtland town, MS as Relatively Low (composite score 69.2), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (67.8) and wildfire (63.4). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Courtland town, MS show little to no average snow.

IRS migration statistics show a net inflow of about 124 for ZIP 38620 (Courtland town, MS) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.