38004 and 38651 receive effectively the same standardized Area Score. Which fits you better depends on which dimensions you weight — the differences below are where they actually diverge.
Signals
38004
38651
Opportunity
60 · Top 39%
vs62 · Top 35%
Growth
59 · Top 35%
vs63 · Top 27%
Climate
68 · Bottom 42%
vs68 · Bottom 42%
Physical resilience
58 · Top 49%
vs57 · Bottom 48%
Housing affordability
95 · Top 21%
vs96 · Top 18%
Access
98 · Top 21%
vs98 · Top 22%
Economic stability
77 · Top 16%
vs70 · Top 30%
Measured values
| Metric | 38004 | 38651 | Source period |
|---|---|---|---|
| Population | 12,001 | 8,731 | 2024 ACS 5-Year |
| Median household income | $92,928 | $98,760 | 2024 ACS 5-Year |
| Per capita income | $44,946 | $42,592 | 2024 ACS 5-Year |
| Population density | 439/sq mi | 265/sq mi | 2024 ACS 5-Year |
| Median home value | $320,900 | $328,000 | 2024 ACS 5-Year |
| Median gross rent | $1,243 | $796 | 2024 ACS 5-Year |
| Homeownership rate | 86.6% | 92.4% | 2024 ACS 5-Year |
| Unemployment rate | 4.0% | 4.0% | June 2026 |
| Employment change (year over year) | -1.4% | -1.5% | June 2026 |
| Bachelor's degree or higher | 34.7% | 30.2% | 2024 ACS 5-Year |
| Poverty rate | 5.8% | 6.9% | 2024 ACS 5-Year |
| Housing units permitted (12 months) | 38 | 113 | 12 months ending July 2026 |
| Permits per 1,000 residents | 3.7 | 6.3 | 12 months ending July 2026 |
| Permit change (year over year) | -2.6% | -28.0% | 12 months ending July 2026 |
| Average July high | 92°F | 92°F | 1991-2020 Normals |
| Average January low | 33°F | 33°F | 1991-2020 Normals |
| Annual precipitation | 54.9" | 54.9" | 1991-2020 Normals |
| Distance to major airport | 7 mi | 10 mi | NASR current cycle |
| Average commute | 37.2 min | 34.3 min | 2024 ACS 5-Year |
| Median age | 38.8 | 38.8 | 2024 ACS 5-Year |
A bolded value is the more favorable of the two where the metric has a clear direction. Metrics like population and density have no inherent better or worse and are shown unweighted.
Physical risk tradeoff
38004
No hazard reaches elevated exposure.
38651
Elevated or high exposure: earthquake.
Full profiles: 38004 — Atoka, TN · 38651 — Hernando, MS · How this is calculated: methodology