ZIP Code 38637 — Horn Lake city, MS Demographics & Data

ZIP code 38637 covers Horn Lake, MS in DeSoto County with a population of about 26,622.

At a glance, the area shows median age of 34.8 versus a U.S. median of about 38.9.

It sits in telephone area code 662; U.S. House district MS-1; the MEMPHIS media market.

Median household income in ZIP 38637 is about $56,847 — about 24% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 18.7%; unemployment rate near 6.8%; 17.3% of adults with a bachelor’s degree or higher (about 16.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Transportation, Manufacturing, and Healthcare; about 3.0% of workers reporting work-from-home (about 12.2 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 $158,900 — about 54% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,065 (about 8% below the U.S. median rent ($1,163)), and owner-occupancy near 59.3% (about 6.1 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 38637 in Horn Lake, MS, a household would need roughly $44,000 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 $1,021. That sits below the local median household income ($56,847), 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 Horn Lake city, MS as Relatively Moderate (composite score 89.0), which is elevated versus much of the country. The strongest component scores on US5 are flood (80.1) and wildfire (67.9). 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 Horn Lake city, MS show little to no average snow and around 54.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 909 for ZIP 38637 (Horn Lake city, 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.