ZIP Code 38036 — Gallaway city, TN Demographics & Data

ZIP code 38036 covers Gallaway, TN in Fayette County with a population of about 157.

At a glance, the area shows median age of 72.6 versus a U.S. median of about 38.9.

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

Gallaway, TN fits a retirement-oriented profile (high share of residents 65+ (86.6%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

On socioeconomic markers, US5 shows a poverty rate of 16.7%; unemployment rate near 28.6%; 16.6% of adults with a bachelor’s degree or higher (about 17.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction and Manufacturing; a mean commute of about 10.0 minutes (U.S. average near 26.8).

Median home value is about $187,500 — about 46% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 48.4% (about 17.0 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 38036 in Gallaway, TN, a household would need roughly $52,000 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 $1,204. 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 Gallaway city, TN as Relatively Low (composite score 76.0), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (61.4) and flood (51.6). 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 Gallaway 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 6 for ZIP 38036 (Gallaway 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.