ZIP Code 38008 — Bolivar city, TN Demographics & Data

ZIP code 38008 covers Bolivar, TN in Hardeman County with a population of about 9,351.

At a glance, the area shows median age of 39.8 (near the U.S. median).

It sits in telephone area code 731; U.S. House district TN-8; the MEMPHIS media market.

Median household income in ZIP 38008 is about $43,827 — about 42% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.6%; unemployment rate near 14.9%; 12.9% of adults with a bachelor’s degree or higher (about 20.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Retail trade; about 7.5% of workers reporting work-from-home (about 7.7 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $123,700 — about 64% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $609 (about 48% below the U.S. median rent ($1,163)), and owner-occupancy near 66.5% (about 1.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 38008 in Bolivar, TN, a household would need roughly $34,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $795. That sits below the local median household income ($43,827), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Bolivar city, TN as Relatively Low (composite score 63.0), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (58.7) and wildfire (34.9). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Bolivar city, TN show little to no average snow and around 56.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 332 for ZIP 38008 (Bolivar city, TN) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.