PlainZIP

Loretto, TN · standard

ZIP Code 38469

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

4,092
23/sq mi
$67,566
Median income
$188,300
Median home value
16.8%
Bachelor's or higher

The verdict

Loretto pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.

43th pct
household income, US ZIPs
40th pct
home value, US ZIPs
23
people per sq mi
88%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 38469 against every reporting US ZIP.

ZIP code 38469 covers 175.6 square miles in Loretto, Lawrence County, Tennessee (a standard USPS delivery area), with a modest 4,092 residents on file, a density of 23 people per square mile, in the Chicago time zone.

ZIP 38469 reports a modest median household income of $67,566 (2% above the Tennessee average), while per-capita income is $29,694. Poverty here runs at 10.4%, with unemployment measured at 1.6%. Median home value sits at $188,300 (24% below the state average), median rent at $688 a month, and owner-occupancy at 88.3%.

Educational attainment sits below the national norm: 16.8% of adults hold a bachelor's degree or higher, the median age is 40.3, and the average commute is 27 minutes. Beyond these figures, 5 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Lawrence County, letting you compare 38469 to its immediate surroundings rather than a national baseline 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 38469

Top 5 sectors by establishment count in Loretto, TN

Which industries have the most business establishments in ZIP 38469.

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 38469, Loretto, 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

4,092

Population

175.6

Area (sq mi)

23

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 38469?

40.3

Median Age

50.7%

Male

49.3%

Female

1.2%

Foreign-Born

White 96.1%
African American 0.0%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.8%
Hispanic or Latino 1.2%

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?

$67,566

Median Household Income

+2% vs state

$29,694

Per Capita Income

10.4%

Poverty Rate

1.6%

Unemployment Rate

27.3 min

Mean Commute Time

How ZIP 38469 ranks nationally

Loretto, TN household income vs. every US ZIP code

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

$67,566 43rd percentile higher than 43% 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%). This entry sits in this band. $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 58.5%
Bachelor's Degree or Higher 16.8%

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

What does housing look like?

1,714

Total Housing Units

1,621

Occupied Units

93

Vacant Units

2.87

Avg Household Size

Occupancy Type

Owner 88.3%
Renter 11.7%

$188,300

Median Home Value

-24% vs state

$688

Median Rent

1979

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 65 business establishments in ZIP 38469, employing approximately 622 people with a combined annual payroll of $20,123,000.

65

Businesses

622

Employees

$20.1M

Annual Payroll

9

Industry Sectors

Industry Establishments % of Total
Retail trade 21 32.3%
Other services (except public administration) 9 13.8%
Accommodation and food services 6 9.2%
Manufacturing 5 7.7%
Construction 4 6.2%
Wholesale trade 4 6.2%
Health care and social assistance 4 6.2%
Transportation and warehousing 3 4.6%
Professional, scientific, and technical services 3 4.6%

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 38469 vs 38481 →

ZIP 38469 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 38469 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 38469 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 38469 ranks #2 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
38481 Saint Joseph, TN 896 4.6 mi
35648 Lexington, AL 3,635 8.2 mi
38457 Five Points, TN 808 8.6 mi
38468 Leoma, TN 5,201 8.6 mi
38486 Westpoint, TN 967 9.5 mi

More ZIP Codes in Lawrence County

38464 standard
Lawrenceburg, TN
Pop: 22,293
38483 standard
Summertown, TN
Pop: 5,663
38468 standard
Leoma, TN
Pop: 5,201
38456 standard
Ethridge, TN
Pop: 4,559
38486 standard
Westpoint, TN
Pop: 967
38481 standard
Saint Joseph, TN
Pop: 896

Related Areas

Lawrence County Loretto, TN Tennessee

Frequently Asked Questions

What county is ZIP code 38469 in? ▼
ZIP code 38469 (Loretto) is located in Lawrence County, Tennessee. Lawrence County contains multiple ZIP codes, see the full list at /counties/lawrence-tn.
What is the population of ZIP code 38469? ▼
ZIP code 38469 in Loretto, TN has a population of 4,092 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 38469? ▼
The median household income in ZIP 38469 is $67,566, which is 11% below the national average of $76,288.
What is the average home value in ZIP 38469? ▼
The median home value in ZIP 38469 is $188,300, which is 32% below the national average of $278,155.
What is the demographic makeup of ZIP 38469? ▼
The largest racial group in ZIP 38469 is White at 96.1%. Hispanic or Latino residents make up 1.2% of the population.
How many businesses are in ZIP code 38469? ▼
ZIP code 38469 has 65 business establishments employing approximately 622 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 38469? ▼
The top industries by establishment count in ZIP 38469 are: Retail trade (21), Other services (except public administration) (9), Accommodation and food services (6). There are 9 industry sectors represented in total.
What is the education level in ZIP code 38469? ▼
In ZIP code 38469, 58.5% of residents aged 25+ have a high school diploma or higher, and 16.8% 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 38469? ▼
The mean commute time for workers in ZIP code 38469 is 27.3 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 38469? ▼
In ZIP code 38469, approximately 88.3% of occupied housing units are owner-occupied and 11.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 38469? ▼
The poverty rate in ZIP code 38469 is 10.4% 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.