ZIP Code 38381 — Toone town, TN Demographics & Data

ZIP code 38381 covers Toone, TN in Hardeman County with a population of about 1,525.

At a glance, the area shows median age of 36.3 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 38381 is about $53,786 — about 28% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 24.9%; unemployment rate near 2.1%; 13.6% of adults with a bachelor’s degree or higher (about 20.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Healthcare; about 15.8% of workers reporting work-from-home (roughly in line with 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 $113,000 — about 68% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $574 (about 51% below the U.S. median rent ($1,163)), and owner-occupancy near 77.6% (about 12.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 38381 in Toone, TN, a household would need roughly $31,000 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 $726. That sits below the local median household income ($53,786), 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 Toone town, TN as Relatively Low (composite score 63.0), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (58.7) and wildfire (34.9). 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 Toone town, TN show little to no average snow and around 56.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 54 for ZIP 38381 (Toone 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.