ZIP Code 38461 — undefined, TN Demographics & Data

ZIP code 38461 covers TN in Lewis County with a population of about 1,176.

At a glance, the area shows median age of 53.6 versus a U.S. median of about 38.9.

It sits in telephone area code 931; U.S. House district TN-5; the NASHVILLE media market.

Median household income in ZIP 38461 is about $58,564 — about 22% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.5%; unemployment rate near 11.5%; 22.9% of adults with a bachelor’s degree or higher (about 10.8 points below the national share (33.7%)).

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

Median home value is about $344,300 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 91.7% (about 26.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 38461 in TN, a household would need roughly $95,000 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 $2,212. That is about 62% above the local median household income ($58,564), so the median earner would likely stretch or need a larger down payment. 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 13.9), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (37.1) and flood (13.3). 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 62.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 42 for ZIP 38461 (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.