PlainZIP

Eads, TN · standard

ZIP Code 38028

Fayette County, Tennessee - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

6,883
46/sq mi
$151,389
Median income
$463,600
Median home value
39.8%
Bachelor's or higher

The verdict

Eads pairs a top-decile household income with upper-quartile home values, in a rural, homeowner-dominated area.

Top 4%
household income, US ZIPs
Top 15%
home value, US ZIPs
46
people per sq mi
95%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 38028 against every reporting US ZIP.

ZIP code 38028 is a mid-sized community (a standard USPS delivery area) in Eads, Fayette County, Tennessee, home to 6,883 residents across 150.0 square miles, a density of 46 people per square mile, in the Chicago time zone.

ZIP 38028 skews affluent, with a median household income of $151,389 (128% above the Tennessee average), while per-capita income is $68,545. Local economic indicators show a 5.5% poverty rate alongside 3.5% unemployment. The typical home here is valued at $463,600 (87% above the state average); renters pay a median of $1,253 monthly, and 94.7% of units are owner-occupied.

A solid share of residents have a four-year degree: 39.8% of adults hold a bachelor's degree or higher, the median age is 47.1, and the average commute is 30 minutes. A geography-based comparison follows: 8 ZIP codes within about 10 miles of 38028, plus 6 more within Fayette County, give a clearer read than the national average alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 38028

Top 5 sectors by establishment count in Eads, TN

Which industries have the most business establishments in ZIP 38028.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 38028, Eads, TN · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

6,883

Population

150.0

Area (sq mi)

46

People / sq mi

Chicago

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 38028?

47.1

Median Age

53.9%

Male

46.1%

Female

4.1%

Foreign-Born

White 67.9%
African American 25.5%
Asian 0.1%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.2%
Hispanic or Latino 4.3%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$151,389

Median Household Income

+128% vs state

$68,545

Per Capita Income

5.5%

Poverty Rate

3.5%

Unemployment Rate

30.4 min

Mean Commute Time

How ZIP 38028 ranks nationally

Eads, TN household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$151,389 Top 4% higher than 96% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Below this entry. $140,000–$160,000: 686 US ZIPs (2%). This entry sits in this band. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 58.5%
Bachelor's Degree or Higher 39.8%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

2,893

Total Housing Units

2,822

Occupied Units

71

Vacant Units

2.83

Avg Household Size

Occupancy Type

Owner 94.7%
Renter 5.3%

$463,600

Median Home Value

+87% vs state

$1,253

Median Rent

1996

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+4.7%

YoY Change (2024)

199

HPI Index (2000 = 100)

+99%

Total Change Since 2000

Home values in ZIP 38028 have increased 4.7% over the past year (2024). Since 2000, this ZIP has seen +99% cumulative appreciation.

Year Annual Change HPI Index
2020 +5.3% 140
2021 +7.6% 151
2022 +17.4% 177
2023 +7.8% 190
2024 +4.7% 199

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 140 business establishments in ZIP 38028, employing approximately 1,504 people with a combined annual payroll of $75,130,000.

140

Businesses

1,504

Employees

$75.1M

Annual Payroll

11

Industry Sectors

Industry Establishments % of Total
Construction 25 17.9%
Administrative and support and waste management and remediation services 18 12.9%
Retail trade 17 12.1%
Professional, scientific, and technical services 16 11.4%
Other services (except public administration) 14 10.0%
Wholesale trade 11 7.9%
Health care and social assistance 9 6.4%
Finance and insurance 8 5.7%
Accommodation and food services 7 5.0%
Manufacturing 4 2.9%
Transportation and warehousing 4 2.9%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 38028 vs 38016 →

ZIP 38028 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 38028 ranks #7 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 38028 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 38028 ranks #2 of 8 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
38016 Cordova, TN 43,079 7.0 mi
38017 Collierville, TN 48,642 8.0 mi
38036 Gallaway, TN 478 9.5 mi
38060 Oakland, TN 9,496 7.6 mi
38018 Cordova, TN 35,059 8.0 mi
38002 Arlington, TN 38,927 8.3 mi
38066 Rossville, TN 2,630 9.5 mi
38139 Germantown, TN 16,086 9.6 mi

More ZIP Codes in Fayette County

38068 standard
Somerville, TN
Pop: 10,941
38060 standard
Oakland, TN
Pop: 9,496
38057 standard
Moscow, TN
Pop: 3,649
38066 standard
Rossville, TN
Pop: 2,630
38076 standard
Williston, TN
Pop: 847
38036 standard
Gallaway, TN
Pop: 478

Related Areas

Fayette County Eads, TN Tennessee

Frequently Asked Questions

What county is ZIP code 38028 in? ▼
ZIP code 38028 (Eads) is located in Fayette County, Tennessee. Fayette County contains multiple ZIP codes, see the full list at /counties/fayette-tn.
What is the population of ZIP code 38028? ▼
ZIP code 38028 in Eads, TN has a population of 6,883 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 38028? ▼
The median household income in ZIP 38028 is $151,389, which is 98% above the national average of $76,288.
What is the average home value in ZIP 38028? ▼
The median home value in ZIP 38028 is $463,600, which is 67% above the national average of $278,155.
What is the demographic makeup of ZIP 38028? ▼
The largest racial group in ZIP 38028 is White at 67.9%. Hispanic or Latino residents make up 4.3% of the population.
How many businesses are in ZIP code 38028? ▼
ZIP code 38028 has 140 business establishments employing approximately 1,504 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 38028? ▼
The top industries by establishment count in ZIP 38028 are: Construction (25), Administrative and support and waste management and remediation services (18), Retail trade (17). There are 11 industry sectors represented in total.
How have home values changed in ZIP code 38028? ▼
According to the FHFA House Price Index, home values in ZIP 38028 increased by 4.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 99%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 38028? ▼
In ZIP code 38028, 58.5% of residents aged 25+ have a high school diploma or higher, and 39.8% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 38028? ▼
The mean commute time for workers in ZIP code 38028 is 30.4 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 38028? ▼
In ZIP code 38028, approximately 94.7% of occupied housing units are owner-occupied and 5.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 38028? ▼
The poverty rate in ZIP code 38028 is 5.5% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.