ZIP Code 38224 — Cottage Grove town, TN Demographics & Data

ZIP code 38224 covers Cottage Grove, TN in Henry County with a population of about 923.

At a glance, the area shows median age of 37.6 (near the U.S. median).

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

Median household income in ZIP 38224 is about $58,828 — about 22% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.1%; unemployment rate near 5.5%; 17.2% of adults with a bachelor’s degree or higher (about 16.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Transportation; about 5.4% of workers reporting work-from-home (about 9.8 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 $137,800 — about 60% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 83.0% (about 17.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 38224 in Cottage Grove, TN, a household would need roughly $38,000 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 $885. That sits below the local median household income ($58,828), 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 Cottage Grove town, TN as Relatively Moderate (composite score 84.7), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (48.9) and flood (38.8). 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 Cottage Grove town, TN show little to no average snow and around 55.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 33 for ZIP 38224 (Cottage Grove town, 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.