ZIP Code 38544

ZIP code 38544 is classified by USPS as a standard delivery area and covers roughly 214.5 square miles in Baxter, Putnam County, Tennessee. The area is home to 6,543 residents, producing a population density of 31 people per square mile, and falls within the Chicago time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 38544 against Tennessee and the nation.

On the economic side, the median household income for ZIP 38544 sits at $69,823 (5% above the Tennessee average), while per-capita income is $31,331. The poverty rate stands at 17.2% and the unemployment rate at 6.7%. On housing, the median home value is $245,100 (1% below the state average) with median rent at $955 per month, and 78.8% of occupied units are owner-occupied, a direct signal of whether 38544 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 18.6% of adults hold a bachelor's degree or higher, the median age is 40.9, and the average commute is 29 minutes. We also surface 5 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Putnam County, so you can benchmark 38544 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →