ZIP code 38235

ZIP 38235 is a very small community in Carroll County, Tennessee, with 207 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #597 of 638 ranked by population — larger than 6% of them. The median age here is 35.5 years against 39.1 nationally, a slightly younger profile than the country as a whole. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 38235 earn a median of $58,750 a year, 25.2% below the national figure of $78,538. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 9.7% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 38235 is valued at $106,800, 64.8% below the national figure, while median gross rent runs $906 a month, 35.6% below the national figure, or roughly $10,872 across a full year. A household on the local median income would put about 18.5% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 1.8×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 63.6% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

With 207 residents, a handful of survey responses moves every median on this page. Compare ZIP 38235 against its county rather than against national figures.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 38235 is tabulated inside Carroll County, Tennessee, one of 12 ZIP areas the Census publishes for that county and 638 across Tennessee. This is one of the smallest tabulated ZIP areas in the state, the kind of rural route where a single subdivision or farm cluster accounts for most addresses. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 38235 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 38235 reports a median household income of $58,750, 21% above the $48,555 county median, and close to the $59,143 typical TN ZIP. Owner-occupied homes are valued at a median of $106,800, 9% below the county figure and 45% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $906 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Tennessee charges 7% statewide, and local governments overlapping 38235 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 38235 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.