ZIP 38260 vs ZIP 38232

This side-by-side compares ZIP 38260 (Troy, TN) and ZIP 38232 (Hornbeak, TN) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 38260 has a population of 3,804 at 22 people per square mile, while ZIP 38232 has 1,998 at 15 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 38260 reports a median household income of $49,139 against $46,272 in ZIP 38232, with per-capita income of $30,097 vs $27,433. The share of adults holding a bachelor's degree or higher is 14.7% in 38260 and 8.8% in 38232. Poverty rate reads 14.9% vs 10.1%, and unemployment 4.0% vs 1.7% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $122,000 in 38260 versus $103,200 in 38232, with median rent of $774 and $770 per month respectively. Homeownership rate is 79.6% vs 79.4%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.