ZIP Code 38201 — McKenzie city, TN Demographics & Data

ZIP code 38201 covers McKenzie, TN in Carroll County with a population of about 10,133.

At a glance, the area shows median age of 40.1 (near the U.S. median).

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

McKenzie, TN sits in a university / college context (near bethel university (1.3 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 38201 is about $46,585 — about 38% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.9%; unemployment rate near 2.6%; 23.3% of adults with a bachelor’s degree or higher (about 10.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Education, and Healthcare; about 7.8% of workers reporting work-from-home (about 7.4 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 $155,900 — about 55% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $527 (about 55% below the U.S. median rent ($1,163)), and owner-occupancy near 69.7% (about 4.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 38201 in McKenzie, TN, a household would need roughly $43,000 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 $1,001. That is roughly in line with the local median household income ($46,585). 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 McKenzie city, TN as Relatively Low (composite score 72.8), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (52.4) and flood (27.2). 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 McKenzie city, TN show little to no average snow and around 55.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 359 for ZIP 38201 (McKenzie 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.