ZIP Code 38578 — Pleasant Hill town, TN Demographics & Data

ZIP code 38578 covers Pleasant Hill, TN in Cumberland County with a population of about 146.

At a glance, the area shows median age of 73.2 versus a U.S. median of about 38.9.

It sits in telephone area code 931; U.S. House district TN-6; the KNOXVILLE media market.

Pleasant Hill, TN fits a retirement-oriented profile (high share of residents 65+ (78.8%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 38578 is about $38,214 — about 49% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.5%; unemployment rate near 23.5%; 42.5% of adults with a bachelor’s degree or higher (about 8.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Other services, and Public administration; a mean commute of about 13.0 minutes (U.S. average near 26.8).

Median home value is about $163,200 — about 53% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $554 (about 52% below the U.S. median rent ($1,163)), and owner-occupancy near 62.5% (about 2.9 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 38578 in Pleasant Hill, TN, a household would need roughly $45,000 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 $1,048. That is about 18% above the local median household income ($38,214), 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 Pleasant Hill town, TN as Relatively Low (composite score 67.2), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (72.6) and flood (58.4). 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 Pleasant Hill town, TN show little to no average snow and around 59.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 5 for ZIP 38578 (Pleasant Hill 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.