38651 and 38004 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
38651
38004
Opportunity
62 · Top 35%
vs60 · Top 39%
Growth
63 · Top 27%
vs59 · Top 35%
Climate
68 · Bottom 42%
vs68 · Bottom 42%
Physical resilience
57 · Bottom 48%
vs58 · Top 49%
Housing affordability
96 · Top 18%
vs95 · Top 21%
Access
98 · Top 22%
vs98 · Top 21%
Economic stability
70 · Top 30%
vs77 · Top 16%
Measured values
| Metric | 38651 | 38004 | Source period |
|---|---|---|---|
| Population | 8,731 | 12,001 | 2024 ACS 5-Year |
| Median household income | $98,760 | $92,928 | 2024 ACS 5-Year |
| Per capita income | $42,592 | $44,946 | 2024 ACS 5-Year |
| Population density | 265/sq mi | 439/sq mi | 2024 ACS 5-Year |
| Median home value | $328,000 | $320,900 | 2024 ACS 5-Year |
| Median gross rent | $796 | $1,243 | 2024 ACS 5-Year |
| Homeownership rate | 92.4% | 86.6% | 2024 ACS 5-Year |
| Unemployment rate | 4.0% | 4.0% | June 2026 |
| Employment change (year over year) | -1.5% | -1.4% | June 2026 |
| Bachelor's degree or higher | 30.2% | 34.7% | 2024 ACS 5-Year |
| Poverty rate | 6.9% | 5.8% | 2024 ACS 5-Year |
| Housing units permitted (12 months) | 113 | 38 | 12 months ending July 2026 |
| Permits per 1,000 residents | 6.3 | 3.7 | 12 months ending July 2026 |
| Permit change (year over year) | -28.0% | -2.6% | 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 | 10 mi | 7 mi | NASR current cycle |
| Average commute | 34.3 min | 37.2 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
38651
Elevated or high exposure: earthquake.
38004
No hazard reaches elevated exposure.
Full profiles: 38651 — Hernando, MS · 38004 — Atoka, TN · How this is calculated: methodology