ZIP Code 38328 — Darden CDP, TN Demographics & Data

ZIP code 38328 covers Darden, TN in Henderson County with a population of about 1,011.

At a glance, the area shows median age of 46.3 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 38328 is about $100,625 — about 34% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.5%; unemployment rate near 5.7%; 15.4% of adults with a bachelor’s degree or higher (about 18.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Manufacturing, and Healthcare; about 12.7% of workers reporting work-from-home (about 2.5 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 $141,800 — about 59% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 38328 in Darden, TN, a household would need roughly $39,000 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 $911. That sits below the local median household income ($100,625), 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 Darden CDP, TN as Relatively Low (composite score 63.1), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (53.1) and flood (32.8). 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 Darden CDP, TN show little to no average snow and around 57.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 36 for ZIP 38328 (Darden CDP, 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.