ZIP Code 38455 — Elkton city, TN Demographics & Data

ZIP code 38455 covers Elkton, TN in Giles County with a population of about 128.

At a glance, the area shows median age of 42.4 versus a U.S. median of about 38.9.

It sits in telephone area code 931; U.S. House district TN-4; the NASHVILLE media market.

Elkton, TN ranks among higher-income / higher-home-value communities on US5 (very high median household income (~$153,125)). Searchers often dig into housing affordability stretch, private schools, and neighborhood comparisons rather than entry-level rentals.

Median household income in ZIP 38455 is about $153,125 — about 104% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 32.8%; unemployment rate near 20.0%; 9.3% of adults with a bachelor’s degree or higher (about 24.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Construction, and Food services; about 73.9% of workers reporting work-from-home (about 58.7 points above the U.S. share (15.2%)); a mean commute of about 12.0 minutes (U.S. average near 26.8).

Median home value is about $212,500 — about 39% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 93.1% (about 27.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 38455 in Elkton, TN, a household would need roughly $58,000 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 $1,365. That sits below the local median household income ($153,125), 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 Elkton city, TN as Relatively Low (composite score 60.9), which is near the middle of the national distribution. The strongest component scores on US5 are flood (60.8) and hurricane (56.7). 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 Elkton city, TN show little to no average snow and around 55.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 5 for ZIP 38455 (Elkton 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.