ZIP code 38362

ZIP 38362 is a very small community in Madison County, Tennessee, with 991 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #532 of 638 ranked by population — larger than 16% of them. The median age here is 41.1 years against 39.1 nationally, a slightly older 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 38362 earn a median of $62,163 a year, 20.8% below the national figure of $78,538. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 13.3% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 38362 is valued at $143,300, 52.8% below the national figure, while median gross rent runs $1,152 a month, 18.1% below the national figure, or roughly $13,824 across a full year. A household on the local median income would put about 22.2% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 2.3×, 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. 73.2% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

With 991 residents, a handful of survey responses moves every median on this page. Compare ZIP 38362 against its county rather than against national figures.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. 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 38362 is tabulated inside Madison 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 38362 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 38362 reports a median household income of $62,163, 13% below the $71,250 county median, and 5% above the $59,143 typical TN ZIP. Owner-occupied homes are valued at a median of $143,300, close to the county figure and 27% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,152 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 38362 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 38362 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.