ZIP Code 38644 — Lula town, MS Demographics & Data

ZIP code 38644 covers Lula, MS in Coahoma County with a population of about 103.

At a glance, the area shows median age of 35.8 versus a U.S. median of about 38.9.

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

Median household income in ZIP 38644 is about $67,750 — about 10% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.8%; unemployment rate near 0.0%; 6.6% of adults with a bachelor’s degree or higher (about 27.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Arts and entertainment, Retail trade, and Finance and insurance; about 6.0% of workers reporting work-from-home (about 9.2 points below the U.S. share (15.2%)); a mean commute of about 63.0 minutes (U.S. average near 26.8).

Median home value is about $75,000 — about 78% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 66.7% (about 1.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 38644 in Lula, 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 $482. That sits below the local median household income ($67,750), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Lula town, MS as Relatively Low (composite score 62.5), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (59.7) and flood (46.3). 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 Lula town, MS show little to no average snow and around 49.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 4 for ZIP 38644 (Lula 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.