PlainZIP

Camden, TN · standard

ZIP Code 38320

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

10,686
28/sq mi
$56,096
Median income
$157,800
Median home value
14.5%
Bachelor's or higher

The verdict

Camden pairs one of the lowest household incomes in the country with below-median home values, in a rural, homeowner-dominated area.

23th pct
household income, US ZIPs
28th pct
home value, US ZIPs
28
people per sq mi
75%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 38320 against every reporting US ZIP.

ZIP code 38320 is a mid-sized community (a standard USPS delivery area) in Camden, Benton County, Tennessee, home to 10,686 residents across 381.6 square miles, a density of 28 people per square mile, in the Chicago time zone.

ZIP 38320 reports a modest median household income of $56,096 (16% below the Tennessee average), while per-capita income is $30,814. Local economic indicators show a 16.5% poverty rate alongside 4.5% unemployment. The typical home here is valued at $157,800 (36% below the state average); renters pay a median of $778 monthly, and 75.1% of units are owner-occupied.

Formal educational attainment runs low here: just 14.5% of adults hold a bachelor's degree or higher, the median age is 43, and the average commute is 24 minutes. A geography-based comparison follows: 2 ZIP codes within about 10 miles of 38320, plus 3 more within Benton 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 38320

Top 5 sectors by establishment count in Camden, TN

Which industries have the most business establishments in ZIP 38320.

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 38320, Camden, 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

10,686

Population

381.6

Area (sq mi)

28

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 38320?

43.0

Median Age

50.0%

Male

50.0%

Female

3.3%

Foreign-Born

White 90.4%
African American 1.8%
Asian 1.4%
American Indian or Alaska Native 0.3%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 5.4%
Hispanic or Latino 3.3%

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?

$56,096

Median Household Income

-16% vs state

$30,814

Per Capita Income

16.5%

Poverty Rate

4.5%

Unemployment Rate

24.4 min

Mean Commute Time

How ZIP 38320 ranks nationally

Camden, TN household income vs. every US ZIP code

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

$56,096 23rd percentile higher than 23% 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 63.6%
Bachelor's Degree or Higher 14.5%

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

What does housing look like?

4,944

Total Housing Units

4,450

Occupied Units

494

Vacant Units

2.30

Avg Household Size

Occupancy Type

Owner 75.1%
Renter 24.9%

$157,800

Median Home Value

-36% vs state

$778

Median Rent

1977

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

-16.4%

YoY Change (2024)

229

HPI Index (2000 = 100)

+129%

Total Change Since 2000

Home values in ZIP 38320 have decreased 16.4% over the past year (2024). Since 2000, this ZIP has seen +129% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.6% 148
2021 +17.2% 173
2022 +8.6% 188
2023 +45.5% 274
2024 -16.4% 229

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 247 business establishments in ZIP 38320, employing approximately 3,273 people with a combined annual payroll of $129,856,000.

247

Businesses

3,273

Employees

$129.9M

Annual Payroll

13

Industry Sectors

Industry Establishments % of Total
Retail trade 48 19.4%
Health care and social assistance 33 13.4%
Other services (except public administration) 31 12.6%
Accommodation and food services 25 10.1%
Manufacturing 24 9.7%
Finance and insurance 21 8.5%
Transportation and warehousing 13 5.3%
Construction 10 4.0%
Administrative and support and waste management and remediation services 9 3.6%
Professional, scientific, and technical services 8 3.2%
Wholesale trade 7 2.8%
Information 6 2.4%
Real estate and rental and leasing 6 2.4%

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 38320 vs 38333 →

ZIP 38320 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 38320 ranks the most populous - useful context the national average alone can't give.

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

ZIP 38320 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 38320 ranks #2 of 3 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
38333 Eva, TN 523 9.5 mi
38318 Buena Vista, TN 476 10.6 mi

More ZIP Codes in Benton County

38221 standard
Big Sandy, TN
Pop: 3,308
38341 standard
Holladay, TN
Pop: 2,252
38333 standard
Eva, TN
Pop: 523

Related Areas

Benton County Camden, TN Tennessee

Frequently Asked Questions

What county is ZIP code 38320 in? ▼
ZIP code 38320 (Camden) is located in Benton County, Tennessee. Benton County contains multiple ZIP codes, see the full list at /counties/benton-tn.
What is the population of ZIP code 38320? ▼
ZIP code 38320 in Camden, TN has a population of 10,686 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 38320? ▼
The median household income in ZIP 38320 is $56,096, which is 26% below the national average of $76,288.
What is the average home value in ZIP 38320? ▼
The median home value in ZIP 38320 is $157,800, which is 43% below the national average of $278,155.
What is the demographic makeup of ZIP 38320? ▼
The largest racial group in ZIP 38320 is White at 90.4%. Hispanic or Latino residents make up 3.3% of the population.
How many businesses are in ZIP code 38320? ▼
ZIP code 38320 has 247 business establishments employing approximately 3,273 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 38320? ▼
The top industries by establishment count in ZIP 38320 are: Retail trade (48), Health care and social assistance (33), Other services (except public administration) (31). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 38320? ▼
According to the FHFA House Price Index, home values in ZIP 38320 decreased by 16.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 129%. 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 38320? ▼
In ZIP code 38320, 63.6% of residents aged 25+ have a high school diploma or higher, and 14.5% 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 38320? ▼
The mean commute time for workers in ZIP code 38320 is 24.4 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 38320? ▼
In ZIP code 38320, approximately 75.1% of occupied housing units are owner-occupied and 24.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 38320? ▼
The poverty rate in ZIP code 38320 is 16.5% 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.