ZIP Code 38564 — undefined, TN Demographics & Data

ZIP code 38564 covers TN in Jackson County with a population of about 435.

At a glance, the area shows median age of 58.1 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.

TN reads as a military / base-oriented community on US5’s intent model (elevated veteran share (18.4%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 38564 is about $56,116 — about 25% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.2%; unemployment rate near 16.6%; 32.9% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Construction, and Information; about 27.8% of workers reporting work-from-home (about 12.6 points above the U.S. share (15.2%)); a mean commute of about 96.0 minutes (U.S. average near 26.8).

Median home value is about $206,100 — about 41% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 87.7% (about 22.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 38564 in TN, a household would need roughly $57,000 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 $1,324. That is roughly in line with the local median household income ($56,116). 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 22.5), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (37.0) and hurricane (25.3). 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 56.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 15 for ZIP 38564 (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.