Waterford is a community in Marshall County, Mississippi, home to about 33 people across 1.0 square miles. It has no ZIP code of its own: it’s part of 38635 and 38685.
Homes sold for a median of $145 per square foot across 2 ZIP codes in the three months ending August 2026, and 0 of 2 were seller’s markets.
Mostly Holly Springs; part is in Waterford
Each card is that ZIP code’s whole market, including any part outside Waterford. Seller’s market: under 4 months of supply; buyer’s market: over 6. Methodology
We’re writing up Waterford’s story and what everyday life there is like, for people thinking about moving in.
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| Nearest major airport | Frederick W. Smith International Airport (MEM)38 miles away |
|---|---|
| Nearest city of 250,000+ | Memphis, TN41 miles away |
| Nearest city of 1 million+ | Dallas, TX432 miles away |
Straight-line distances from the center of Waterford; driving is longer.
Source: Airports from OurAirports (scheduled passenger service); city centers and populations from the U.S. Census Bureau.
Source: Members of Congress from the congress-legislators project; districts from the Census Bureau’s relationship files; governor and mayor from Wikidata.
It’s the 413th largest of 420 towns in Mississippi by population.
Marshall County grew from 27,674 residents in 1900 to 33,752 in 2020.
Marshall County, 1900–2020
Source: U.S. Census Bureau decennial censuses (counties 1900–1990 from the Bureau’s historical county file).
Average highs peak around 89°F in summer, and winter lows average 30°F. About 56.1 inches of rain and melted snow fall in a typical year, with about 2 inches of snow.
Source: NOAA 1991–2020 climate normals, Independence 1w, MS weather station (15 miles away).
7,708 jobs at 475 businesses in Marshall County. The biggest industries by employees:
Source: U.S. Census Bureau County Business Patterns 2023 (private employers; jobs counted where people work).
38 doctors and other health care providers list an office in Waterford’s ZIP codes.
Nearest hospitals
Providers with an office here
| Primary care doctors | 4 |
|---|---|
| Specialist doctors | 1 |
| Dentists | 3 |
| Nurse practitioners and physician assistants | 17 |
| Mental health providers | 11 |
| Physical and occupational therapists | 1 |
| Optometrists | 1 |
| Pharmacies | 12 |
Source: Hospitals from CMS Hospital General Information (ratings are CMS overall star ratings); straight-line distances; providers from the CMS National Plan and Provider Enumeration System (NPPES), by practice address and primary specialty.
Public schools here are run by Holly Springs School District, Marshall County School District. Check each district’s attendance zones for a specific address.
| School | Grades | Students | Type | Distance |
|---|---|---|---|---|
| Holly Springs Primary SchoolHolly Springs | Pre-K–3 | 332 | Public | 13.0 mi |
| Galena SchoolHolly Springs | K–8 | 138 | Public | 3.5 mi |
| H. W. Byers ElementaryHolly Springs | K–4 | 262 | Public | 24.5 mi |
| Holly Springs Intermediate SchoolHolly Springs | 4–6 | 228 | Public | 12.8 mi |
| H. W. Byers High SchoolHolly Springs | 5–12 | 362 | Public | 24.5 mi |
| Holly Springs Junior High SchoolHolly Springs | 7–8 | 145 | Public | 13.5 mi |
| Holly Springs High SchoolHolly Springs | 9–12 | 288 | Public | 13.5 mi |
| Marshall Co Cte CenterHolly Springs | 9–12 | — | Career and Technical | 12.2 mi |
| Holly Springs Career & Tech CenterHolly Springs | 10–12 | — | Career and Technical | 13.6 mi |
| School | Grades | Students | Affiliation | Distance |
|---|---|---|---|---|
| Holy Family SchoolHolly Springs | Pre-K–8 | 85 | Roman Catholic | 14.0 mi |
| Marshall AcademyHolly Springs | Pre-K–12 | 308 | Nonsectarian | 12.4 mi |
Source: U.S. Department of Education, NCES: Common Core of Data (2024-2025) for public schools; Private School Universe Survey (2023-2024) for private schools. Listed by address; we don’t rate schools.
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Shares ZIP codes with Holly Springs, Mount Pleasant and Red Banks.
Town boundaries don’t always match ZIP codes: a ZIP code can cross into neighboring towns, and a town can share a ZIP code with its neighbors. Facts describe the town itself; market figures describe whole ZIP codes.