38732Cleveland, Mississippi

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 38732.

45out of 100
Area Score
Bottom 6% of 5,298 published profiles

How we calculate this

How this area ranks
Opportunity5840th of 6,210 published ZIP areas27
Schools3793rd of 4,422 published ZIP areas23
Growth3936th of 5,428 published ZIP areas37
Housing affordabilityTop 43% of 6,685 published ZIP areas85
ClimateTop 41% of 6,789 published ZIP areas72
Physical resilience4989th of 6,709 published ZIP areas33
Access4477th of 6,791 published ZIP areas88
Economic stability6411th of 6,742 published ZIP areas25
The quick read

Employment conditions sit below most comparable published ZIP profiles: unemployment is 5.5% and the Opportunity signal places 38732 in the bottom 6%.

In the public schools here, 10% of students met the state standard in mathematics, with 16.9 students for every teacher.

Physical-risk exposure is above the national median, driven mainly by inland flooding, earthquake and tornado.

At a glance

Population
16,696
2024 ACS 5-Year
Median household income
$44,705
Bottom 9% nationally
Density
189/sq mi
88.3 sq mi of land
Median age
35.9
2024 ACS 5-Year
City
Cleveland
Mississippi
Metro area
Cleveland, MS
Nearest major airport
GLH
24 mi · Greenville Mid-Delta
Median home value
$160,700
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 5.5% is lower than 14% of the 6,544 measured US ZIP areas.

Employment fell 2.0% over the past year, to 10,106 employed residents.

34% of adults hold a four-year degree, higher than 73% of measured US ZIP areas.

Median household income of $44,705 is below 91% of measured US ZIP areas.

MetricValueCompared with peersSource period
Median household income ±$7,098$44,705Bottom 9%2024 ACS 5-Year
Per capita income ±$2,354$25,953Bottom 15%2024 ACS 5-Year
Poverty rate28.6%Top 8%2024 ACS 5-Year
Average commute19.8 minBottom 12%2024 ACS 5-Year
Bachelor's degree or higher34.2%Top 27%2024 ACS 5-Year
Employment10,106Bottom 2%June 2026
Employment change (3 years)-0.6%Bottom 40%June 2026
Employment change (year over year)-2.0%Bottom 18%June 2026
Labor force10,690Bottom 2%June 2026
Labor force participation53.2%Bottom 26%2024 ACS 5-Year
Unemployment change (year over year)-0.4%Bottom 23%June 2026
Unemployment rate5.5%Top 14%June 2026
Median household income, successive ACS releases
202120222023202445k39k
Each point is a separate five-year estimate, most recently $44,705 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.

The Bureau of Labor Statistics does not publish labor-force data for ZIP areas. This is the figure for Cleveland, MS, the city containing this ZIP code.

10% of students met the state standard in mathematics and 20% in reading, across the schools here that reported results.

There are 16.9 students for every full-time teacher, more than in most measured places.

Public schools
8
2024-25 school year
Students per teacher
16.9
across all schools here
Math proficiency
10.3%
Bottom 20% in Mississippi
Reading proficiency
20.2%
Bottom 20% in Mississippi
SchoolDistrictStudentsPer teacherMathReading
Cleveland Central High SchoolCleveland School District79917.8
Cleveland Central Middle SchoolCleveland School District42316.917%22%
Parks Elementary SchoolCleveland School District26516.610%24%
Nailor Elementary SchoolCleveland School District25619.7
D.M. Smith ElementaryCleveland School District23312.93%12%
Pearman Elementary SchoolCleveland School District18616.95%21%
ALTERNATIVE SCHOOLCleveland School District0
CLEVELAND VOC TECH COMPLEXCleveland School District0

99.8% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with rather than how the schools perform, which is why AreaProfile shows it and does not score it.

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against Mississippi’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Median rent of $810 takes 22% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 3.6 times median household income here, above the historic benchmark of about three times income.

Rent as a share of income
21.7%
Below the 30% cost-burdened threshold
Home price to income
3.6×
median home value ÷ median income
Median gross rent
$810
2024 ACS 5-Year
Median home value
$160,700
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income3.59Top 37%2024 ACS 5-Year
Homeownership rate61.6%Bottom 18%2024 ACS 5-Year
Housing units ±3177,290Top 22%2024 ACS 5-Year
Median gross rent ±$109$810Bottom 25%2024 ACS 5-Year
Median home value ±$12,955$160,700Bottom 31%2024 ACS 5-Year
Rent as a share of income21.7%Top 26%2024 ACS 5-Year
Vacancy rate10.8%Bottom 49%2024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
37/ 100
Ranks 3936 of 5,428 published city profiles

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

New construction is predominantly single-family: only 0% of permitted units are in buildings of five or more homes.

At 1.0 permitted units per 1,000 residents, building activity is below the median for measured US ZIP areas.

Units permitted
11
12 months ending July 2026
Per 1,000 residents
1.0
Bottom 27% nationally
Year over year
+10%
vs the prior twelve months
Multifamily share
0.0%
units in 5+ unit buildings

The Building Permits Survey is not published for ZIP areas. This is the figure for Cleveland, MS, the city containing this ZIP code.

Weather & climate

6 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 93°F and January a low of 35°F.

Normal annual precipitation is 49.0 inches.

Air quality measures a median index of 44, in the Good band, and no day in the year passed 100.

20°40°60°80°100°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station GREENVILLE ASOS, 24.2 miles from this location.
Precipitation
JFMAMJJASOND5.1"
Normal monthly precipitation, in inches.
MetricValueSource period
90th percentile air quality index58.02024 calendar year
Annual precipitation49.0"1991-2020 Normals
Average January low35°F1991-2020 Normals
Average July high93°F1991-2020 Normals
Comfortable months61991-2020 Normals
Days above AQI 10002024 calendar year
Median air quality index44.02024 calendar year
Seasonal temperature swing38°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

33 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are inland flooding, earthquake and tornado.

EarthquakeElevated
DroughtModerate
TornadoHigh
Ice stormModerate
Inland floodingElevated
HurricaneModerate
Cold waveModerate
Strong windModerate
LandslideModerate
Winter weatherModerate

Low or minimal exposure: heat wave, hail, lightning, wildfire.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. ZIP values are the land-area-weighted mean of the counties the ZIP Code Tabulation Area intersects. Expected annual loss is not allocated below county level. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

These are deaths, not offences. AreaProfile does not publish reported crime, and this is not a substitute for it — it says nothing about burglary, theft or assault.

Bolivar County records 16.6 homicide deaths per 100,000 residents a year, higher than most counties measured. The CDC does not publish this below county level.

Drug overdose deaths run at 10.5 per 100,000 residents in Bolivar County.

Homicide
16.6
per 100,000 residents · under 10 deaths
Drug overdose
10.5
per 100,000 residents · under 10 deaths
Suicide
0.0
per 100,000 residents · under 10 deaths

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Bolivar County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around 38732 rather than 38732 itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
The FBI’s Crime Data Explorer is the only source for reported offences with national coverage and a published method, and it requires an API key AreaProfile does not hold. Arrest counts, news volume and commercial “safety scores” are not substituted in the meantime. What is published above under Safety is a different measurement — deaths rather than offences, from death certificates rather than police returns — and it covers no property crime at all.
Taxes
No tax dataset has met the source admission test for coverage, transparent methodology and update cadence. Nothing here is individualized tax advice.
Full cost of living
No public source publishes one with national coverage and a documented method. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings.

Access

3 major airports lie within 100 miles, the nearest 24 miles away.

AirportCodeDistanceLongest runway
Greenville Mid-DeltaGLH24 mi8,001 ft
Tunica MuniUTA68 mi8,500 ft
Frederick W Smith Intl/MemphisMEM98 mi11,120 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
45
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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2019-20 school year; 2024-25 school yearDirectory annually; assessment results as EDFacts releases them
ClimateU.S. Environmental Protection Agency, Air Quality System
Daily Air Quality Index by county
2024 calendar yearAnnually, once a calendar year is complete

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

38732 vs Cleveland

How this ZIP area compares with Cleveland as a whole. Both figures come from the same ACS release, so the comparison is like for like.

38732
Cleveland
Median household income
$44,705
vs
$44,074
Per capita income
$25,953
vs
$24,650
Population density
189/sq mi
vs
1,402/sq mi
Median home value
$160,700
vs
$159,300
Median gross rent
$810
vs
$943
Homeownership rate
61.6%
vs
66.8%
Bachelor's degree or higher
34.2%
vs
34.8%
Poverty rate
28.6%
vs
29.3%
Median age
35.9
vs
35.7

Some demographic statistics use Census ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP delivery geography. See the methodology for how AreaProfile maps between them.