ZIP Code 39654 — Monticello town, MS Demographics & Data

ZIP code 39654 covers Monticello, MS in Lawrence County with a population of about 4,589.

At a glance, the area shows median age of 39.0 (near the U.S. median).

It sits in telephone area codes 601, 769; U.S. House district MS-3; the JACKSON, MS media market.

Median household income in ZIP 39654 is about $41,053 — about 45% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 21.5%; unemployment rate near 20.6%; 14.1% of adults with a bachelor’s degree or higher (about 19.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Manufacturing; about 0.4% of workers reporting work-from-home (about 14.8 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $108,800 — about 69% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $545 (about 53% below the U.S. median rent ($1,163)), and owner-occupancy near 76.4% (about 11.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 39654 in Monticello, MS, a household would need roughly $30,000 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 $699. That sits below the local median household income ($41,053), 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 Monticello town, MS as Very Low (composite score 25.0), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (78.2) and wildfire (54.1). 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 Monticello town, MS show little to no average snow and around 60.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 157 for ZIP 39654 (Monticello 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.