ZIP Code 38555 — Crossville city, TN Demographics & Data

ZIP code 38555 covers Crossville, TN in Cumberland County with a population of about 21,428.

At a glance, the area shows median age of 42.3 versus a U.S. median of about 38.9.

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

Median household income in ZIP 38555 is about $55,286 — about 26% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.9%; unemployment rate near 7.3%; 16.9% of adults with a bachelor’s degree or higher (about 16.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Manufacturing, and Healthcare; about 6.2% of workers reporting work-from-home (about 9.0 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 $221,400 — about 36% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $627 (about 46% below the U.S. median rent ($1,163)), and owner-occupancy near 66.3% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 38555 in Crossville, TN, a household would need roughly $61,000 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 $1,422. That is roughly in line with the local median household income ($55,286). 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 Crossville city, TN as Relatively Low (composite score 67.2), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (72.6) and flood (58.4). 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 Crossville city, TN show little to no average snow and around 57.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 760 for ZIP 38555 (Crossville 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.