ZIP Code 38316 — Bradford town, TN Demographics & Data

ZIP code 38316 covers Bradford, TN in Gibson County with a population of about 3,127.

At a glance, the area shows median age of 47.7 versus a U.S. median of about 38.9.

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

Median household income in ZIP 38316 is about $48,288 — about 36% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 19.8%; unemployment rate near 1.4%; 12.8% of adults with a bachelor’s degree or higher (about 20.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Manufacturing, and Healthcare; about 1.0% of workers reporting work-from-home (about 14.2 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 $117,200 — about 66% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $489 (about 58% below the U.S. median rent ($1,163)), and owner-occupancy near 81.0% (about 15.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 38316 in Bradford, TN, a household would need roughly $32,000 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 $753. That sits below the local median household income ($48,288), 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 Bradford town, TN as Relatively Moderate (composite score 85.9), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (54.3) and flood (52.9). 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 Bradford town, TN show little to no average snow and around 56.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 111 for ZIP 38316 (Bradford 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.