ZIP Code 38237 — Martin city, TN Demographics & Data

ZIP code 38237 covers Martin, TN in Weakley County with a population of about 15,273.

At a glance, the area shows median age of 31.0 versus a U.S. median of about 38.9.

It sits in telephone area code 731; U.S. House district TN-8; the PADUCAH - CAPE GIRAR D - HARSBG media market.

Martin, TN sits in a university / college context (near the university of tennessee-martin (1.9 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 38237 is about $49,301 — about 34% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 22.3%; unemployment rate near 4.2%; 28.2% of adults with a bachelor’s degree or higher (about 5.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Retail trade, and Healthcare; about 8.3% of workers reporting work-from-home (about 6.9 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 $194,100 — about 44% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $557 (about 52% below the U.S. median rent ($1,163)), and owner-occupancy near 55.0% (about 10.4 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 38237 in Martin, TN, a household would need roughly $53,000 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 $1,247. That is roughly in line with the local median household income ($49,301). 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 Martin city, TN as Relatively Low (composite score 74.0), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (47.6) and flood (21.9). 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 Martin city, TN show little to no average snow and around 54.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 542 for ZIP 38237 (Martin 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.