ZIP Code 38070 — undefined, TN Demographics & Data

ZIP code 38070 covers TN in Dyer County with a population of about 88.

At a glance, the area shows median age of 64.4 versus a U.S. median of about 38.9.

It sits in telephone area code 731; U.S. House district TN-8; the MEMPHIS media market.

TN fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 38070 is about $58,667 — about 22% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 0.0%; 9.9% of adults with a bachelor’s degree or higher (about 23.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Public administration, and Healthcare; a mean commute of about 71.0 minutes (U.S. average near 26.8).

Median home value is about $185,000 — about 47% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 90.0% (about 24.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 38070 in TN, a household would need roughly $51,000 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 $1,188. That sits below the local median household income ($58,667), 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 TN as Relatively Moderate (composite score 86.6), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (51.6) and flood (37.8). 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 55.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 3 for ZIP 38070 (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.