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 Moderate-density area
- $49,139
- Median income Below-median income area
- $122,000
- Median home value Below-median home value
- 14.7%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
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 average Tennessee ZIP), while per-capita income is $30,097. The poverty rate is 14.9%, with unemployment at 4.0%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $122,000 (51% below the average Tennessee ZIP), and median rent is $774; owner occupancy is 79.6%.
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 -. The page also surfaces 4 ZIP codes within roughly 10 miles and 6 more in Obion County, so 38260 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 38260
Top 5 sectors by establishment count in Troy, TN
Which industries have the most business establishments in ZIP 38260.
- Retail trade
Retail trade
12 establishments
- Other services (except public administration)
Other services (except public administration)
7 establishments
- Construction 4
Construction
4 establishments
- Manufacturing 4
Manufacturing
4 establishments
- Transportation and warehousing 4
Transportation and warehousing
4 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 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
Who lives in ZIP 38260?
44.9
Median Age
51.3%
Male
48.7%
Female
0.0%
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?
$49,139
Median Household Income
-26% vs state ZIP avg
$30,097
Per Capita Income
14.9%
Poverty Rate
4.0%
Unemployment Rate
How ZIP 38260 ranks among Tennessee ZIPs
Troy, 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)
$49,139 19th percentile higher than 19% 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
1,749housing units
1,749
Total Housing Units
1,641
Occupied Units
108
Vacant Units
2.27
Avg Household Size
Occupancy Type
$122,000
Median Home Value
-51% vs state ZIP avg
$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.
- 38261
Union City (38261)
16,919 residents
- 38260 3,804
Troy (38260)
3,804 residents
- 38240 2,259
Obion (38240)
2,259 residents
- 38232 1,998
Hornbeak (38232)
1,998 residents
- 38254 85
Samburg (38254)
85 residents
What this shows Among its immediate neighbors, ZIP 38260 ranks #2 by population - useful context the national average alone can't give.
ZIP 38260 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 38261
Union City (38261)
$55,876 median income
- 38240
Obion (38240)
$53,095 median income
- 38260
Troy (38260)
$49,139 median income
- 38232
Hornbeak (38232)
$46,272 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 38260, 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 (3,804 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Obion County
Related Areas
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.
Related
Take this with you
What to do with ZIP 38260's numbers, next.
- See how ZIP 38260 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Troy, 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.