PlainZIP

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
$39,821
Median income
$116,700
Median home value
8.4%
Bachelor's or higher

The verdict

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 Tennessee average), while per-capita income is $21,912. Poverty here runs at 25.6%, with unemployment measured at 11.1%. Median home value sits at $116,700 (53% below the state average), median rent at $544 a month, and owner-occupancy at 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. To put 38551 in local context, 3 ZIP codes within roughly 10 miles appear further down this page alongside 1 additional ZIPs in Clay County, for a geography-aware comparison.

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.

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 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

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 38551?

43.5

Median Age

45.8%

Male

54.2%

Female

1.6%

Foreign-Born

White 90.4%
African American 5.7%
Asian 0.8%
American Indian or Alaska Native 0.4%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 2.7%
Hispanic or Latino 0.4%

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

$21,912

Per Capita Income

25.6%

Poverty Rate

11.1%

Unemployment Rate

26.5 min

Mean Commute Time

How ZIP 38551 ranks nationally

Celina, TN household income vs. every US ZIP code

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

$39,821 5th percentile higher than 5% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). This entry sits in this band. $40,000–$60,000: 7,092 US ZIPs (23%). Above this entry. $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 57.4%
Bachelor's Degree or Higher 8.4%

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

What does housing look like?

2,220

Total Housing Units

1,964

Occupied Units

256

Vacant Units

2.23

Avg Household Size

Occupancy Type

Owner 63.5%
Renter 36.5%

$116,700

Median Home Value

-53% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 38551 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 38551 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 38551 ranks #4 of 4 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
38568 Hilham, TN 2,034 8.8 mi
42151 Hestand, KY 275 7.4 mi
38541 Allons, TN 1,613 8.5 mi

More ZIP Codes in Clay County

38575 standard
Moss, TN
Pop: 1,172

Related Areas

Clay County Celina, TN Tennessee

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.

Read our methodology to see how this data is sourced, computed, and verified.