ZIP code 38361

ZIP 38361 is a small town in Hardin County, Tennessee, with 1,158 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #516 of 638 ranked by population — larger than 19% of them. The median age here is 54.9 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. 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 38361 earn a median of $49,348 a year, 37.2% below the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 28.8% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in ZIP 38361 is valued at $140,600, 53.7% below the national figure, while median gross rent runs not published a month. The home-price-to-income ratio works out to 2.8×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 87.2% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. 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.

A median age of 54.9 puts ZIP 38361 well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

The Census withheld gross rent for ZIP 38361 because the sample was too thin to publish at this geography. Those values were suppressed at the source, not lost in our dataset, and we do not model a replacement. Everything else on this page comes straight from the ACS 2019-2023 ACS 5-year tables.

ZIP 38361 is tabulated inside Hardin County, Tennessee, one of 9 ZIP areas the Census publishes for that county and 638 across Tennessee. Fewer than 2,500 people are counted here, so the ZIP behaves like a village delivery route rather than a neighbourhood. 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 38361 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 38361 reports a median household income of $49,348, close to the $49,348 county median, and 17% below the $59,143 typical TN ZIP. Owner-occupied homes are valued at a median of $140,600, 3% above the county figure and 28% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at not published 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 38361 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 38361 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.