Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.
ZIP code 38839 covers Derma, MS in Calhoun County with a population of about 41.
At a glance, the area shows median age of 60.3 versus a U.S. median of about 38.9.
It sits in telephone area code 662; U.S. House district MS-1; the COLUMBUS - TUPELO - WEST POINT media market.
Derma, MS fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.
On socioeconomic markers, US5 shows a poverty rate of 4.9%; unemployment rate near 0.0%; 8.6% of adults with a bachelor’s degree or higher (about 25.1 points below the national share (33.7%)).
Labor and commute patterns include leading industry context around Retail trade, Manufacturing, and Healthcare; a mean commute of about 28.0 minutes (U.S. average near 26.8).
Median home value is about $102,500 — about 71% below the U.S. median home value ($348,079).
Housing tenure and rents show owner-occupancy near 69.2% (about 3.8 points above the national owner-occupancy rate (65.4%)).
To comfortably buy a median-priced home in ZIP 38839 in Derma, MS, a household would need roughly $28,000 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 $658. 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 Derma town, MS as Very Low (composite score 27.7), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (63.6) and wildfire (26.4). 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 Derma town, MS show limited published climate normals on US5.
IRS migration statistics show a net inflow of about 1 for ZIP 38839 (Derma 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.