ZIP Code 38551

ZIP code 38551 is classified by USPS as a standard delivery area and covers roughly 240.1 square miles in Celina, Clay County, Tennessee. The area is home to 4,106 residents, producing a population density of 17 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 38551 against Tennessee and the nation.

On the economic side, the median household income for ZIP 38551 sits at $39,821 (40% below the Tennessee average), while per-capita income is $21,912. The poverty rate stands at 25.6% and the unemployment rate at 11.1%. On housing, the median home value is $116,700 (53% below the state average) with median rent at $544 per month, and 63.5% of occupied units are owner-occupied, a direct signal of whether 38551 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 8.4% of adults hold a bachelor's degree or higher, the median age is 43.5, and the average commute is 27 minutes. We also surface 3 nearby ZIP codes within roughly 10 miles and 1 additional ZIPs sharing Clay County, so you can benchmark 38551 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 →