ZIP Code 38315 — Bethel Springs town, TN Demographics & Data

ZIP code 38315 covers Bethel Springs, TN in McNairy County with a population of about 3,929.

At a glance, the area shows median age of 50.0 versus a U.S. median of about 38.9.

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

Median household income in ZIP 38315 is about $47,458 — about 37% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 18.1%; unemployment rate near 4.8%; 8.5% of adults with a bachelor’s degree or higher (about 25.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Construction, and Retail trade; about 16.6% of workers reporting work-from-home (about 1.4 points above 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 $129,400 — about 63% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $506 (about 56% below the U.S. median rent ($1,163)), and owner-occupancy near 84.8% (about 19.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 38315 in Bethel Springs, TN, a household would need roughly $36,000 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 $831. That sits below the local median household income ($47,458), 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 Bethel Springs town, TN as Relatively Low (composite score 50.5), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (57.3) and flood (33.3). 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 Bethel Springs town, TN show little to no average snow and around 59.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 139 for ZIP 38315 (Bethel Springs town, 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.