ZIP Code 38554 — undefined, TN Demographics & Data

ZIP code 38554 covers TN in Overton County with a population of about 751.

At a glance, the area shows median age of 50.3 versus a U.S. median of about 38.9.

It sits in telephone area code 931; U.S. House district TN-6; the NASHVILLE media market.

Median household income in ZIP 38554 is about $35,250 — about 53% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 21.2%; unemployment rate near 1.1%; 13.2% of adults with a bachelor’s degree or higher (about 20.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Education, and Healthcare; about 7.1% of workers reporting work-from-home (about 8.1 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 $135,000 — about 61% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 77.8% (about 12.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 38554 in TN, a household would need roughly $37,000 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 $867. That is roughly in line with the local median household income ($35,250). 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 Very Low (composite score 22.2), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (39.7) and wildfire (28.3). 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 64.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 27 for ZIP 38554 (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.