ZIP Code 38722 — Arcola town, MS Demographics & Data

ZIP code 38722 covers Arcola, MS in Washington County with a population of about 193.

At a glance, the area shows median age of 37.9 (near the U.S. median).

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

Median household income in ZIP 38722 is about $20,536 — about 73% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 54.4%; unemployment rate near 31.7%; 11.7% of adults with a bachelor’s degree or higher (about 22.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Agriculture, and Retail trade; about 4.9% of workers reporting work-from-home (about 10.3 points below the U.S. share (15.2%)); a mean commute of about 39.0 minutes (U.S. average near 26.8).

Median home value is about $77,500 — about 78% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $237 (about 80% below the U.S. median rent ($1,163)), and owner-occupancy near 59.0% (about 6.4 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 38722 in Arcola, MS, a household would need roughly $21,000 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 $498. That is roughly in line with the local median household income ($20,536). 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 Arcola town, MS as Relatively Moderate (composite score 83.0), which is elevated versus much of the country. The strongest component scores on US5 are flood (81.2) and hurricane (72.3). 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 Arcola town, MS show little to no average snow and around 56.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 7 for ZIP 38722 (Arcola 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.