Oakland, TN · standard
ZIP Code 38060
Fayette County, Tennessee - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 9,496
- 83/sq mi Moderate-density area
- $92,338
- Median income Above-median income area
- $319,900
- Median home value Above-median home value
- 31.3%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Oakland pairs an upper-quartile household income with above-median home values, in a rural, homeowner-dominated area.
- Top 25%
- household income, US ZIPs
- Top 31%
- home value, US ZIPs
- 83
- people per sq mi
- 86%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 38060 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 38060 (Oakland, TN) fell -2.6% from 2023 to 2024. The all-transactions index moved from 213.5 in 2023 to 208.0 in 2024 (2000 = 100).
ZIP code 38060 is a mid-sized community (a standard USPS delivery area) in Oakland, Fayette County, Tennessee, home to 9,496 residents across 114.3 square miles, a density of 83 people per square mile, in the Chicago time zone.
ZIP 38060 lands in the middle-income range, with a median household income of $92,338 (39% above the average Tennessee ZIP), while per-capita income is $41,185. Both reported hardship measures are comparatively low in absolute terms: poverty is 5.6% and unemployment is 3.6%. Housing is both higher-cost and owner-heavy: median home value is $319,900 (29% above the average Tennessee ZIP), while 86.2% of occupied homes are owner-occupied and median rent is $1,661.
A solid share of residents have a four-year degree: 31.3% of adults hold a bachelor's degree or higher, the median age is 42.3, and the average commute is 35 minutes. The page also surfaces 5 ZIP codes within roughly 10 miles and 6 more in Fayette County, so 38060 can be compared with both its immediate and county-level context.
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 38060
Top 5 sectors by establishment count in Oakland, TN
Which industries have the most business establishments in ZIP 38060.
- Retail trade
Retail trade
30 establishments
- Construction
Construction
24 establishments
- Other services (except public administration)
Other services (except public administration)
21 establishments
- Accommodation and food services
Accommodation and food services
19 establishments
- Finance and insurance
Finance and insurance
15 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 38060, Oakland, 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
9,496
Population
114.3
Area (sq mi)
83
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 38060?
42.3
Median Age
49.2%
Male
50.8%
Female
2.7%
Foreign-Born
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?
$92,338
Median Household Income
+39% vs state ZIP avg
$41,185
Per Capita Income
5.6%
Poverty Rate
3.6%
Unemployment Rate
35.4 min
Mean Commute Time
How ZIP 38060 ranks among Tennessee ZIPs
Oakland, TN household income vs. every Tennessee ZIP code
Median household income among 593 reporting Tennessee ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$92,338 Top 11% higher than 89% of 593 Tennessee ZIPs
Each bar is a $20K-wide band; taller bars hold more Tennessee 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
5,213housing units
5,213
Total Housing Units
4,981
Occupied Units
232
Vacant Units
2.52
Avg Household Size
Occupancy Type
$319,900
Median Home Value
+29% vs state ZIP avg
$1,661
Median Rent
2005
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
-2.6%
YoY Change (2024)
208
HPI Index (2000 = 100)
+108%
Total Change Since 2000
Home values in ZIP 38060 have decreased 2.6% over the past year (2024). Since 2000, this ZIP has seen +108% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +3.0% | 147 |
| 2021 | +12.8% | 166 |
| 2022 | +20.6% | 200 |
| 2023 | +6.9% | 214 |
| 2024 | -2.6% | 208 |
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 170 business establishments in ZIP 38060, employing approximately 1,585 people with a combined annual payroll of $79,275,000.
170
Businesses
1,585
Employees
$79.3M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 30 | 17.6% |
| Construction | 24 | 14.1% |
| Other services (except public administration) | 21 | 12.3% |
| Accommodation and food services | 19 | 11.2% |
| Finance and insurance | 15 | 8.8% |
| Health care and social assistance | 11 | 6.5% |
| Professional, scientific, and technical services | 10 | 5.9% |
| Administrative and support and waste management and remediation services | 9 | 5.3% |
| Manufacturing | 7 | 4.1% |
| Wholesale trade | 6 | 3.5% |
| Transportation and warehousing | 6 | 3.5% |
| Real estate and rental and leasing | 4 | 2.4% |
| Information | 3 | 1.8% |
| Arts, entertainment, and recreation | 3 | 1.8% |
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 38060 vs 38076 →
ZIP 38060 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 38017
Collierville (38017)
48,642 residents
- 38060 9,496
Oakland (38060)
9,496 residents
- 38028 6,883
Eads (38028)
6,883 residents
- 38066 2,630
Rossville (38066)
2,630 residents
- 38076 847
Williston (38076)
847 residents
- 38036 478
Gallaway (38036)
478 residents
What this shows Among its immediate neighbors, ZIP 38060 ranks #2 by population - useful context the national average alone can't give.
ZIP 38060 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 38028
Eads (38028)
$151,389 median income
- 38017
Collierville (38017)
$138,677 median income
- 38066
Rossville (38066)
$107,660 median income
- 38060
Oakland (38060)
$92,338 median income
- 38076
Williston (38076)
$77,917 median income
What this shows By household income, ZIP 38060 ranks #4 of 5 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 38060, both outside TN so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (9,496 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Fayette County
Related Areas
Frequently Asked Questions
What county is ZIP code 38060 in?
ZIP code 38060 (Oakland) 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 38060?
ZIP code 38060 in Oakland, TN has a population of 9,496 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 38060?
The median household income in ZIP 38060 is $92,338, which is 21% above the national average of $76,288.
What is the average home value in ZIP 38060?
The median home value in ZIP 38060 is $319,900, which is 15% above the national average of $278,155.
What is the demographic makeup of ZIP 38060?
The largest racial group in ZIP 38060 is White at 65.1%. Hispanic or Latino residents make up 2.5% of the population.
How many businesses are in ZIP code 38060?
ZIP code 38060 has 170 business establishments employing approximately 1,585 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 38060?
The top industries by establishment count in ZIP 38060 are: Retail trade (30), Construction (24), Other services (except public administration) (21). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 38060?
According to the FHFA House Price Index, home values in ZIP 38060 decreased by 2.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 108%. 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 38060?
In ZIP code 38060, 63.6% of residents aged 25+ have a high school diploma or higher, and 31.3% 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 38060?
The mean commute time for workers in ZIP code 38060 is 35.4 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 38060?
In ZIP code 38060, approximately 86.2% of occupied housing units are owner-occupied and 13.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 38060?
The poverty rate in ZIP code 38060 is 5.6% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 38060's numbers, next.
- See how ZIP 38060 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Oakland, TN ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.