ZIP Code 38019 — Covington city, TN Demographics & Data

ZIP code 38019 covers Covington, TN in Tipton County with a population of about 15,747.

At a glance, the area shows median age of 37.7 (near the U.S. median).

It sits in telephone area code 901; U.S. House district TN-8; the MEMPHIS media market.

Median household income in ZIP 38019 is about $59,957 — about 20% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.9%; unemployment rate near 6.0%; 14.6% of adults with a bachelor’s degree or higher (about 19.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Retail trade; about 4.9% of workers reporting work-from-home (about 10.3 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 $195,400 — about 44% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $651 (about 44% below the U.S. median rent ($1,163)), and owner-occupancy near 63.1% (about 2.3 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 38019 in Covington, TN, a household would need roughly $54,000 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 $1,255. That is roughly in line with the local median household income ($59,957). 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 Covington city, TN as Relatively Moderate (composite score 81.0), which is elevated versus much of the country. The strongest component scores on US5 are flood (53.9) and hurricane (46.5). 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 Covington city, TN show little to no average snow and around 55.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 558 for ZIP 38019 (Covington 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.