ZIP Code 38478 — Pulaski city, TN Demographics & Data

ZIP code 38478 covers Pulaski, TN in Giles County with a population of about 18,756.

At a glance, the area shows median age of 42.2 versus a U.S. median of about 38.9.

It sits in telephone area code 931; U.S. House district TN-4; the NASHVILLE media market.

Median household income in ZIP 38478 is about $58,658 — about 22% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.2%; unemployment rate near 5.2%; 19.3% of adults with a bachelor’s degree or higher (about 14.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Healthcare; about 3.2% of workers reporting work-from-home (about 12.0 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 $195,500 — about 44% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $566 (about 51% below the U.S. median rent ($1,163)), and owner-occupancy near 67.1% (about 1.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 38478 in Pulaski, TN, a household would need roughly $54,000 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 $1,256. That is roughly in line with the local median household income ($58,658). 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 Pulaski city, TN as Relatively Low (composite score 60.9), which is near the middle of the national distribution. The strongest component scores on US5 are flood (60.8) and hurricane (56.7). 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 Pulaski city, TN show little to no average snow and around 58.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 665 for ZIP 38478 (Pulaski city, 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.