PlainZIP

Beech Bluff, TN · standard

ZIP Code 38313

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

3,204
17/sq mi
$85,625
Median income
$213,900
Median home value
19.8%
Bachelor's or higher

The verdict

Beech Bluff pairs an above-median household income with below-median home values, in a rural, homeowner-dominated area.

Top 31%
household income, US ZIPs
47th pct
home value, US ZIPs
17
people per sq mi
86%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 38313 against every reporting US ZIP.

ZIP code 38313 covers 188.5 square miles in Beech Bluff, Madison County, Tennessee (a standard USPS delivery area), with a modest 3,204 residents on file, a density of 17 people per square mile, in the Chicago time zone.

ZIP 38313 lands in the middle-income range, with a median household income of $85,625 (29% above the Tennessee average), while per-capita income is $43,674. Local economic indicators show a 7.6% poverty rate alongside 1.4% unemployment. Housing costs here run $213,900 for a typical home value (14% below the state average), with rent averaging $863 a month; 85.6% of homes are owner-occupied.

Educational attainment sits below the national norm: 19.8% of adults hold a bachelor's degree or higher, the median age is 44.1, and the average commute is 28 minutes. We also surface 5 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Madison County, so you can benchmark 38313 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 38313

Top 5 sectors by establishment count in Beech Bluff, TN

Which industries have the most business establishments in ZIP 38313.

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 38313, Beech Bluff, 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

3,204

Population

188.5

Area (sq mi)

17

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 38313?

44.1

Median Age

48.3%

Male

51.7%

Female

0.2%

Foreign-Born

White 88.0%
African American 11.7%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 0.3%
Hispanic or Latino 4.0%

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?

$85,625

Median Household Income

+29% vs state

$43,674

Per Capita Income

7.6%

Poverty Rate

1.4%

Unemployment Rate

28.0 min

Mean Commute Time

How ZIP 38313 ranks nationally

Beech Bluff, TN household income vs. every US ZIP code

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

$85,625 Top 31% higher than 69% 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%). This entry sits in this band. $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 66.7%
Bachelor's Degree or Higher 19.8%

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

What does housing look like?

1,418

Total Housing Units

1,253

Occupied Units

165

Vacant Units

2.62

Avg Household Size

Occupancy Type

Owner 85.6%
Renter 14.4%

$213,900

Median Home Value

-14% vs state

$863

Median Rent

1994

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

+10.0%

YoY Change (2024)

231

HPI Index (2000 = 100)

+131%

Total Change Since 2000

Home values in ZIP 38313 have increased 10.0% over the past year (2024). Since 2000, this ZIP has seen +131% cumulative appreciation.

Year Annual Change HPI Index
2020 +0.4% 140
2021 +20.1% 168
2022 +11.0% 186
2023 +12.9% 210
2024 +10.0% 231

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 16 business establishments in ZIP 38313, employing approximately 25 people with a combined annual payroll of $1,036,000.

16

Businesses

25

Employees

$1.0M

Annual Payroll

3

Industry Sectors

Industry Establishments % of Total
Other services (except public administration) 4 25.0%
Construction 3 18.8%
Administrative and support and waste management and remediation services 3 18.8%

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 38313 vs 38345 →

ZIP 38313 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 38313 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 38313 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 38313 ranks the highest of 6 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
38345 Huron, TN 2,089 6.3 mi
38352 Luray, TN 494 7.1 mi
38305 Jackson, TN 49,808 10.7 mi
38366 Pinson, TN 2,267 10.9 mi
38347 Jacks Creek, TN 270 11.1 mi

More ZIP Codes in Madison County

38305 standard
Jackson, TN
Pop: 49,808
38301 standard
Jackson, TN
Pop: 36,613
38366 standard
Pinson, TN
Pop: 2,267
38391 standard
Denmark, TN
Pop: 1,174
38362 standard
Oakfield, TN
Pop: 1,145
38392 standard
Mercer, TN
Pop: 776

Related Areas

Madison County Beech Bluff, TN Tennessee

Frequently Asked Questions

What county is ZIP code 38313 in? ▼
ZIP code 38313 (Beech Bluff) is located in Madison County, Tennessee. Madison County contains multiple ZIP codes, see the full list at /counties/madison-tn.
What is the population of ZIP code 38313? ▼
ZIP code 38313 in Beech Bluff, TN has a population of 3,204 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 38313? ▼
The median household income in ZIP 38313 is $85,625, which is 12% above the national average of $76,288.
What is the average home value in ZIP 38313? ▼
The median home value in ZIP 38313 is $213,900, which is 23% below the national average of $278,155.
What is the demographic makeup of ZIP 38313? ▼
The largest racial group in ZIP 38313 is White at 88.0%. Hispanic or Latino residents make up 4.0% of the population.
How many businesses are in ZIP code 38313? ▼
ZIP code 38313 has 16 business establishments employing approximately 25 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 38313? ▼
The top industries by establishment count in ZIP 38313 are: Other services (except public administration) (4), Construction (3), Administrative and support and waste management and remediation services (3). There are 3 industry sectors represented in total.
How have home values changed in ZIP code 38313? ▼
According to the FHFA House Price Index, home values in ZIP 38313 increased by 10.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 131%. 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 38313? ▼
In ZIP code 38313, 66.7% of residents aged 25+ have a high school diploma or higher, and 19.8% 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 38313? ▼
The mean commute time for workers in ZIP code 38313 is 28.0 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 38313? ▼
In ZIP code 38313, approximately 85.6% of occupied housing units are owner-occupied and 14.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 38313? ▼
The poverty rate in ZIP code 38313 is 7.6% 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.