Celina, TN · standard
ZIP Code 38551
Clay County, Tennessee - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 4,106
- 17/sq mi Moderate-density area
- $39,821
- Median income Below-median income area
- $116,700
- Median home value Below-median home value
- 8.4%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Celina pairs one of the lowest household incomes in the country with among the most affordable home values nationally, in a rural, homeowner-dominated area.
- 5th pct
- household income, US ZIPs
- 15th pct
- home value, US ZIPs
- 17
- people per sq mi
- 64%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 38551 against every reporting US ZIP.
ZIP code 38551 covers 240.1 square miles in Celina, Clay County, Tennessee (a standard USPS delivery area), with a modest 4,106 residents on file, a density of 17 people per square mile, in the Chicago time zone.
ZIP 38551 sits on the lower end of the income spectrum: median household income is $39,821 (40% below the average Tennessee ZIP), while per-capita income is $21,912. Economic pressure is pronounced: 25.6% of residents are below the poverty line and unemployment is 11.1%. Home values sit below the statewide ZIP benchmark: the median is $116,700 (53% below the average Tennessee ZIP), and median rent is $544; owner occupancy is 63.5%.
Formal educational attainment runs low here: just 8.4% of adults hold a bachelor's degree or higher, the median age is 43.5, and the average commute is 27 minutes. The page also surfaces 3 ZIP codes within roughly 10 miles and 1 more in Clay County, so 38551 can be compared with both its immediate and county-level context.
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 38551
Top 5 sectors by establishment count in Celina, TN
Which industries have the most business establishments in ZIP 38551.
- Retail trade
Retail trade
17 establishments
- Manufacturing
Manufacturing
9 establishments
- Finance and insurance
Finance and insurance
7 establishments
- Accommodation and food services
Accommodation and food services
7 establishments
- Real estate and rental and leasing 6
Real estate and rental and leasing
6 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 38551, Celina, 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
4,106
Population
240.1
Area (sq mi)
17
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 38551?
43.5
Median Age
45.8%
Male
54.2%
Female
1.6%
Foreign-Born
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?
$39,821
Median Household Income
-40% vs state ZIP avg
$21,912
Per Capita Income
25.6%
Poverty Rate
11.1%
Unemployment Rate
26.5 min
Mean Commute Time
How ZIP 38551 ranks among Tennessee ZIPs
Celina, TN household income vs. every Tennessee ZIP code
Median household income among 593 reporting Tennessee ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$39,821 8th percentile higher than 8% of 593 Tennessee ZIPs
Each bar is a $20K-wide band; taller bars hold more Tennessee 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
2,220housing units
2,220
Total Housing Units
1,964
Occupied Units
256
Vacant Units
2.23
Avg Household Size
Occupancy Type
$116,700
Median Home Value
-53% vs state ZIP avg
$544
Median Rent
1985
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 82 business establishments in ZIP 38551, employing approximately 715 people with a combined annual payroll of $23,283,000.
82
Businesses
715
Employees
$23.3M
Annual Payroll
11
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 17 | 20.7% |
| Manufacturing | 9 | 11.0% |
| Finance and insurance | 7 | 8.5% |
| Accommodation and food services | 7 | 8.5% |
| Real estate and rental and leasing | 6 | 7.3% |
| Health care and social assistance | 6 | 7.3% |
| Construction | 5 | 6.1% |
| Professional, scientific, and technical services | 5 | 6.1% |
| Other services (except public administration) | 5 | 6.1% |
| Transportation and warehousing | 4 | 4.9% |
| Administrative and support and waste management and remediation services | 3 | 3.7% |
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 38551 vs 38568 →
ZIP 38551 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 38551
Celina (38551)
4,106 residents
- 38568
Hilham (38568)
2,034 residents
- 38541 1,613
Allons (38541)
1,613 residents
- 42151 275
Hestand (42151)
275 residents
What this shows Among its immediate neighbors, ZIP 38551 ranks the most populous - useful context the national average alone can't give.
ZIP 38551 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 42151
Hestand (42151)
$108,056 median income
- 38568
Hilham (38568)
$61,556 median income
- 38541 $41,151
Allons (38541)
$41,151 median income
- 38551 $39,821
Celina (38551)
$39,821 median income
What this shows By household income, ZIP 38551 ranks #4 of 4 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 38551, both outside TN so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (4,106 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Clay County
Related Areas
Frequently Asked Questions
What county is ZIP code 38551 in?
ZIP code 38551 (Celina) is located in Clay County, Tennessee. Clay County contains multiple ZIP codes, see the full list at /counties/clay-tn.
What is the population of ZIP code 38551?
ZIP code 38551 in Celina, TN has a population of 4,106 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 38551?
The median household income in ZIP 38551 is $39,821, which is 48% below the national average of $76,288.
What is the average home value in ZIP 38551?
The median home value in ZIP 38551 is $116,700, which is 58% below the national average of $278,155.
What is the demographic makeup of ZIP 38551?
The largest racial group in ZIP 38551 is White at 90.4%. Hispanic or Latino residents make up 0.4% of the population.
How many businesses are in ZIP code 38551?
ZIP code 38551 has 82 business establishments employing approximately 715 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 38551?
The top industries by establishment count in ZIP 38551 are: Retail trade (17), Manufacturing (9), Finance and insurance (7). There are 11 industry sectors represented in total.
What is the education level in ZIP code 38551?
In ZIP code 38551, 57.4% of residents aged 25+ have a high school diploma or higher, and 8.4% 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 38551?
The mean commute time for workers in ZIP code 38551 is 26.5 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 38551?
In ZIP code 38551, approximately 63.5% of occupied housing units are owner-occupied and 36.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 38551?
The poverty rate in ZIP code 38551 is 25.6% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 38551's numbers, next.
- See how ZIP 38551 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Celina, TN ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.