ZIP Code 38774 — Shelby city, MS Demographics & Data

ZIP code 38774 covers Shelby, MS in Bolivar County with a population of about 1,769.

At a glance, the area shows median age of 41.9 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.

Median household income in ZIP 38774 is about $21,689 — about 71% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 59.9%; unemployment rate near 30.0%; 15.8% of adults with a bachelor’s degree or higher (about 18.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Construction; a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $82,400 — about 76% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $472 (about 59% below the U.S. median rent ($1,163)), and owner-occupancy near 60.8% (about 4.6 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 38774 in Shelby, MS, a household would need roughly $23,000 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 $529. That is roughly in line with the local median household income ($21,689). 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 Shelby city, 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 Shelby city, MS show little to no average snow and around 54.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 60 for ZIP 38774 (Shelby 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.