ZIP Code 38318 — undefined, TN Demographics & Data

ZIP code 38318 covers TN in Carroll County with a population of about 531.

At a glance, the area shows median age of 43.9 versus a U.S. median of about 38.9.

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

Median household income in ZIP 38318 is about $89,712 — about 19% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.9%; unemployment rate near 2.6%; 20.5% of adults with a bachelor’s degree or higher (about 13.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Education, and Retail trade; about 9.9% of workers reporting work-from-home (about 5.3 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 $127,100 — about 63% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $713 (about 39% below the U.S. median rent ($1,163)), and owner-occupancy near 83.0% (about 17.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 38318 in TN, a household would need roughly $35,000 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 $816. That sits below the local median household income ($89,712), 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 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 TN show little to no average snow and around 55.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 19 for ZIP 38318 (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.