ZIP Code 38392 — Mercer CDP, TN Demographics & Data

ZIP code 38392 covers Mercer, TN in Madison County with a population of about 736.

At a glance, the area shows median age of 39.8 (near the U.S. median).

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

Median household income in ZIP 38392 is about $52,188 — about 31% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.0%; unemployment rate near 0.0%; 13.3% of adults with a bachelor’s degree or higher (about 20.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Manufacturing, and Healthcare; a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $43,400 — about 88% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 86.0% (about 20.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 38392 in Mercer, TN, a household would need roughly $12,000 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 $279. That sits below the local median household income ($52,188), 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 Mercer CDP, TN as Relatively Moderate (composite score 92.1), which is among the highest nationally. The strongest component scores on US5 are flood (72.6) and hurricane (62.2). 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 Mercer CDP, TN show little to no average snow and around 53.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 26 for ZIP 38392 (Mercer CDP, 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.