ZIP Code 38401 — Columbia city, TN Demographics & Data

ZIP code 38401 covers Columbia, TN in Maury County with a population of about 66,696.

At a glance, the area shows median age of 39.0 (near the U.S. median).

It sits in telephone area code 931; U.S. House district TN-5; the NASHVILLE media market.

Median household income in ZIP 38401 is about $69,467 — about 8% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.8%; unemployment rate near 2.5%; 24.4% of adults with a bachelor’s degree or higher (about 9.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Retail trade; about 13.9% of workers reporting work-from-home (about 1.3 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 $295,200 — about 15% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $888 (about 24% below the U.S. median rent ($1,163)), and owner-occupancy near 71.8% (about 6.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 38401 in Columbia, TN, a household would need roughly $81,000 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 $1,896. That is about 17% above the local median household income ($69,467), so the median earner would likely stretch or need a larger down payment. 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 Columbia city, TN as Relatively Low (composite score 79.3), which is elevated versus much of the country. The strongest component scores on US5 are flood (74.6) and hurricane (38.4). 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 Columbia city, TN show little to no average snow and around 56.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,365 for ZIP 38401 (Columbia 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.