PlainZIP

Saint Joseph, TN · standard

ZIP Code 38481

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

896
30/sq mi
$49,567
Median income
$192,700
Median home value
16.1%
Bachelor's or higher

The verdict

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

14th pct
household income, US ZIPs
41th pct
home value, US ZIPs
30
people per sq mi
84%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 38481 against every reporting US ZIP.

ZIP code 38481 is a sparsely populated ZIP (a standard USPS delivery area) in Saint Joseph, Lawrence County, Tennessee, home to just 896 residents across 30.4 square miles, a density of 30 people per square mile, in the Chicago time zone.

ZIP 38481 reports a modest median household income of $49,567 (25% below the Tennessee average), while per-capita income is $44,422. 16.6% of residents live below the poverty line, and the unemployment rate reads 0.7%. Housing costs here run $192,700 for a typical home value (22% below the state average), with rent averaging $628 a month; 84.3% of homes are owner-occupied.

Educational attainment sits below the national norm: 16.1% of adults hold a bachelor's degree or higher, the median age is 42.5, and the average commute is -. Beyond these figures, 5 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Lawrence County, letting you compare 38481 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 →

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 38481, Saint Joseph, 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

896

Population

30.4

Area (sq mi)

30

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 38481?

42.5

Median Age

49.7%

Male

50.3%

Female

1.6%

Foreign-Born

White 92.0%
African American 3.1%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.6%
Hispanic or Latino 1.6%

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?

$49,567

Median Household Income

-25% vs state

$44,422

Per Capita Income

16.6%

Poverty Rate

0.7%

Unemployment Rate

How ZIP 38481 ranks nationally

Saint Joseph, TN household income vs. every US ZIP code

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

$49,567 14th percentile higher than 14% 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 60.8%
Bachelor's Degree or Higher 16.1%

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

What does housing look like?

431

Total Housing Units

395

Occupied Units

36

Vacant Units

2.25

Avg Household Size

Occupancy Type

Owner 84.3%
Renter 15.7%

$192,700

Median Home Value

-22% vs state

$628

Median Rent

1974

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 11 business establishments in ZIP 38481, employing approximately 40 people with a combined annual payroll of $1,130,000.

11

Businesses

40

Employees

$1.1M

Annual Payroll

1

Industry Sectors

Industry Establishments % of Total
Retail trade 6 54.5%

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 38481 vs 38469 →

ZIP 38481 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 38481 ranks #6 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 38481 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 38481 ranks #5 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
38469 Loretto, TN 4,092 4.6 mi
35645 Killen, AL 14,060 9.0 mi
35648 Lexington, AL 3,635 7.9 mi
38486 Westpoint, TN 967 10.1 mi
35634 Florence, AL 9,711 10.4 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
38469 standard
Loretto, TN
Pop: 4,092
38486 standard
Westpoint, TN
Pop: 967

Related Areas

Lawrence County Saint Joseph, TN Tennessee

Frequently Asked Questions

What county is ZIP code 38481 in? ▼
ZIP code 38481 (Saint Joseph) 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 38481? ▼
ZIP code 38481 in Saint Joseph, TN has a population of 896 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 38481? ▼
The median household income in ZIP 38481 is $49,567, which is 35% below the national average of $76,288.
What is the average home value in ZIP 38481? ▼
The median home value in ZIP 38481 is $192,700, which is 31% below the national average of $278,155.
What is the demographic makeup of ZIP 38481? ▼
The largest racial group in ZIP 38481 is White at 92.0%. Hispanic or Latino residents make up 1.6% of the population.
How many businesses are in ZIP code 38481? ▼
ZIP code 38481 has 11 business establishments employing approximately 40 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What is the education level in ZIP code 38481? ▼
In ZIP code 38481, 60.8% of residents aged 25+ have a high school diploma or higher, and 16.1% 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 38481? ▼
In ZIP code 38481, approximately 84.3% of occupied housing units are owner-occupied and 15.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 38481? ▼
The poverty rate in ZIP code 38481 is 16.6% 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.