ZIP Code 39755 — Pheba CDP, MS Demographics & Data

ZIP code 39755 covers Pheba, MS in Clay County with a population of about 634.

At a glance, the area shows median age of 51.2 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.

Median household income in ZIP 39755 is about $29,770 — about 60% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 27.6%; unemployment rate near 0.0%; 23.4% of adults with a bachelor’s degree or higher (about 10.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Agriculture, and Information; about 26.5% of workers reporting work-from-home (about 11.3 points above 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 $126,500 — about 64% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 81.5% (about 16.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 39755 in Pheba, MS, a household would need roughly $35,000 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 $813. That is about 18% above the local median household income ($29,770), so the median earner would likely stretch or need a larger down payment. 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 Pheba CDP, MS as Very Low (composite score 42.5), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (69.7) and flood (33.8). 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 Pheba CDP, MS show little to no average snow and around 58.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 22 for ZIP 39755 (Pheba CDP, 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.