PlainZIP

Troy, TN · standard

ZIP Code 38260

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

3,804
22/sq mi
$49,139
Median income
$122,000
Median home value
14.7%
Bachelor's or higher

The verdict

Troy pairs one of the lowest household incomes in the country with among the most affordable home values nationally, in a rural, homeowner-dominated area.

13th pct
household income, US ZIPs
17th pct
home value, US ZIPs
22
people per sq mi
80%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 38260 against every reporting US ZIP.

ZIP code 38260 covers 170.6 square miles in Troy, Obion County, Tennessee (a standard USPS delivery area), with a modest 3,804 residents on file, a density of 22 people per square mile, in the Chicago time zone.

ZIP 38260 reports a modest median household income of $49,139 (26% below the Tennessee average), while per-capita income is $30,097. The poverty rate stands at 14.9% and the unemployment rate at 4.0%. Housing costs here run $122,000 for a typical home value (51% below the state average), with rent averaging $774 a month; 79.6% of homes are owner-occupied.

Formal educational attainment runs low here: just 14.7% of adults hold a bachelor's degree or higher, the median age is 44.9, and the average commute is -. We also surface 4 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Obion County, so you can benchmark 38260 against its immediate geography rather than a 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 38260

Top 5 sectors by establishment count in Troy, TN

Which industries have the most business establishments in ZIP 38260.

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 38260, Troy, 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

3,804

Population

170.6

Area (sq mi)

22

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 38260?

44.9

Median Age

51.3%

Male

48.7%

Female

0.0%

Foreign-Born

White 95.5%
African American 2.4%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 1.8%
Hispanic or Latino 0.1%

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?

$49,139

Median Household Income

-26% vs state

$30,097

Per Capita Income

14.9%

Poverty Rate

4.0%

Unemployment Rate

How ZIP 38260 ranks nationally

Troy, TN household income vs. every US ZIP code

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

$49,139 13th percentile higher than 13% 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%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $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 59.2%
Bachelor's Degree or Higher 14.7%

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

What does housing look like?

1,749

Total Housing Units

1,641

Occupied Units

108

Vacant Units

2.27

Avg Household Size

Occupancy Type

Owner 79.6%
Renter 20.4%

$122,000

Median Home Value

-51% vs state

$774

Median Rent

1982

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 48 business establishments in ZIP 38260, employing approximately 310 people with a combined annual payroll of $12,591,000.

48

Businesses

310

Employees

$12.6M

Annual Payroll

8

Industry Sectors

Industry Establishments % of Total
Retail trade 12 25.0%
Other services (except public administration) 7 14.6%
Construction 4 8.3%
Manufacturing 4 8.3%
Transportation and warehousing 4 8.3%
Finance and insurance 3 6.3%
Administrative and support and waste management and remediation services 3 6.3%
Accommodation and food services 3 6.3%

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 38260 vs 38232 →

ZIP 38260 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 38260 ranks #2 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 38260 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 38260 ranks #3 of 4 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
38232 Hornbeak, TN 1,998 6.3 mi
38254 Samburg, TN 85 7.6 mi
38261 Union City, TN 16,919 7.0 mi
38240 Obion, TN 2,259 9.9 mi

More ZIP Codes in Obion County

38261 standard
Union City, TN
Pop: 16,919
38257 standard
South Fulton, TN
Pop: 4,397
38240 standard
Obion, TN
Pop: 2,259
38232 standard
Hornbeak, TN
Pop: 1,998
38253 standard
Rives, TN
Pop: 1,156
38254 standard
Samburg, TN
Pop: 85

Related Areas

Obion County Troy, TN Tennessee

Frequently Asked Questions

What county is ZIP code 38260 in? ▼
ZIP code 38260 (Troy) is located in Obion County, Tennessee. Obion County contains multiple ZIP codes, see the full list at /counties/obion-tn.
What is the population of ZIP code 38260? ▼
ZIP code 38260 in Troy, TN has a population of 3,804 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 38260? ▼
The median household income in ZIP 38260 is $49,139, which is 36% below the national average of $76,288.
What is the average home value in ZIP 38260? ▼
The median home value in ZIP 38260 is $122,000, which is 56% below the national average of $278,155.
What is the demographic makeup of ZIP 38260? ▼
The largest racial group in ZIP 38260 is White at 95.5%. Hispanic or Latino residents make up 0.1% of the population.
How many businesses are in ZIP code 38260? ▼
ZIP code 38260 has 48 business establishments employing approximately 310 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 38260? ▼
The top industries by establishment count in ZIP 38260 are: Retail trade (12), Other services (except public administration) (7), Construction (4). There are 8 industry sectors represented in total.
What is the education level in ZIP code 38260? ▼
In ZIP code 38260, 59.2% of residents aged 25+ have a high school diploma or higher, and 14.7% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 38260? ▼
In ZIP code 38260, approximately 79.6% of occupied housing units are owner-occupied and 20.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 38260? ▼
The poverty rate in ZIP code 38260 is 14.9% 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.