ZIP Code 38746 — Gunnison town, MS Demographics & Data

ZIP code 38746 covers Gunnison, MS in Bolivar County with a population of about 412.

At a glance, the area shows median age of 41.4 versus a U.S. median of about 38.9.

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

On socioeconomic markers, US5 shows a poverty rate of 53.2%; unemployment rate near 27.8%; 7.1% of adults with a bachelor’s degree or higher (about 26.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Education; a mean commute of about 65.0 minutes (U.S. average near 26.8).

Median home value is about $70,000 — about 80% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 43.6% (about 21.8 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 38746 in Gunnison, MS, a household would need roughly $19,000 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 $450. 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 Gunnison town, MS as Relatively Low (composite score 76.8), which is elevated versus much of the country. The strongest component scores on US5 are flood (76.9) and hurricane (66.4). 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 Gunnison town, MS show little to no average snow and around 54.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 14 for ZIP 38746 (Gunnison 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.