ZIP code 38685: Waterford, MS
38685 is a ZIP code in Waterford, Mississippi, mainly in Marshall County, part of the Memphis, TN-MS-AR metro area. About 1,301 people live here.
- Population
- 1,301
- Median household income
- $41,210
- Typical home value
- $184,200+1% in 12 months
- Median rent
- —gross, per month
- Median age
- 61.4
- Homeowners
- 95.1%of occupied homes
Shaded: ZIP code 38685's area. Click anywhere on the map to see which ZIP code it's in.
ZIP codes within 10 milesWithin 25 miles
ZIP code 38685 details
| City | Waterford |
|---|---|
| State | Mississippi |
| County | Marshall County (also partly Lafayette County) |
| Metro area | Memphis, TN-MS-AR |
| Time zone | Central Time (UTC−6), observes daylight saving time |
| Type | Standard (delivery area) |
| Land area | 83.7 sq mi, plus 1.6 sq mi of water |
| Population density | 16 people per sq mi |
| Bachelor's degree or higher | 3.8% of adults 25+ |
| Average commute | 16.6 minutes |
| Center coordinates | 34.59307, -89.48849 |
ZIP codes near 38685
| ZIP code | City | Distance | Population |
|---|---|---|---|
| 38601 | Abbeville, MS | 8.2 mi | 2,507 |
| 38659 | Potts Camp, MS | 9.1 mi | 1,999 |
| 38635 | Holly Springs, MS | 12.0 mi | 15,503 |
| 38634 | Holly Springs, MS | 12.3 mi | — |
| 38677 | University, MS | 16.2 mi | 5,395 |
| 38675 | Tula, MS | 16.2 mi | — |
| 38633 | Hickory Flat, MS | 17.1 mi | 2,212 |
| 38627 | Etta, MS | 17.2 mi | 1,145 |
Population and median household income: ACS 2020–2024 5-year estimates. Typical home value: Zillow Home Value Index (September 2026) where available, otherwise the ACS median owner-reported value. "PO Box" marks ZIP codes with no delivery area of their own. Methodology
Buying a home in 38685?
A typical home in ZIP code 38685 is worth about $184,200 (Zillow Home Value Index). The median household here earns $41,210 a year. See what buying here would cost per month, with Mississippi average taxes and insurance filled in.
Monthly payment for a $184,200 homeWhat can a $41,210 income afford?Rental property numbers
About ZIP code 38685
What city is ZIP code 38685?
ZIP code 38685 is in Waterford, MS, in Marshall County.
What county is ZIP code 38685 in?
38685 is mainly in Marshall County, Mississippi, and partly in Lafayette County.
What is the population of ZIP code 38685?
About 1,301 people live in ZIP code 38685, according to the American Community Survey 2020–2024 5-year estimates.
What time zone is ZIP code 38685 in?
38685 is in Central Time (UTC−6). It observes daylight saving time.