PlainZIP

Gainesboro, TN · standard

ZIP Code 38562

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

6,554
19/sq mi
$39,398
Median income
$148,100
Median home value
14.5%
Bachelor's or higher

The verdict

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

5th pct
household income, US ZIPs
25th pct
home value, US ZIPs
19
people per sq mi
77%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 38562 against every reporting US ZIP.

ZIP code 38562 is a mid-sized community (a standard USPS delivery area) in Gainesboro, Jackson County, Tennessee, home to 6,554 residents across 354.3 square miles, a density of 19 people per square mile, in the Chicago time zone.

ZIP 38562 sits on the lower end of the income spectrum: median household income is $39,398 (41% below the Tennessee average), while per-capita income is $30,783. Poverty here runs at 21.6%, with unemployment measured at 7.8%. The typical home here is valued at $148,100 (40% below the state average); renters pay a median of $689 monthly, and 77.3% of units are owner-occupied.

Formal educational attainment runs low here: just 14.5% of adults hold a bachelor's degree or higher, the median age is 48.1, and the average commute is 30 minutes. Beyond these figures, 4 nearby ZIP codes within about 10 miles are surfaced below, along with 3 more sharing Jackson County, letting you compare 38562 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 →

Top industries in ZIP 38562

Top 5 sectors by establishment count in Gainesboro, TN

Which industries have the most business establishments in ZIP 38562.

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 38562, Gainesboro, 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

6,554

Population

354.3

Area (sq mi)

19

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 38562?

48.1

Median Age

51.3%

Male

48.7%

Female

0.3%

Foreign-Born

White 96.0%
African American 0.5%
Asian 0.0%
American Indian or Alaska Native 0.3%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 2.4%
Hispanic or Latino 1.4%

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?

$39,398

Median Household Income

-41% vs state

$30,783

Per Capita Income

21.6%

Poverty Rate

7.8%

Unemployment Rate

29.9 min

Mean Commute Time

How ZIP 38562 ranks nationally

Gainesboro, TN household income vs. every US ZIP code

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

$39,398 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 61.1%
Bachelor's Degree or Higher 14.5%

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

What does housing look like?

3,310

Total Housing Units

2,748

Occupied Units

562

Vacant Units

2.30

Avg Household Size

Occupancy Type

Owner 77.3%
Renter 22.7%

$148,100

Median Home Value

-40% vs state

$689

Median Rent

1986

Median Year Built

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

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+1.3%

YoY Change (2024)

267

HPI Index (2000 = 100)

+167%

Total Change Since 2000

Home values in ZIP 38562 have increased 1.3% over the past year (2024). Since 2000, this ZIP has seen +167% cumulative appreciation.

Year Annual Change HPI Index
2020 -3.2% 165
2021 +19.5% 198
2022 +34.1% 265
2023 -0.7% 263
2024 +1.3% 267

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 88 business establishments in ZIP 38562, employing approximately 871 people with a combined annual payroll of $33,881,000.

88

Businesses

871

Employees

$33.9M

Annual Payroll

12

Industry Sectors

Industry Establishments % of Total
Retail trade 17 19.3%
Health care and social assistance 12 13.6%
Accommodation and food services 10 11.4%
Construction 8 9.1%
Manufacturing 7 8.0%
Other services (except public administration) 7 8.0%
Professional, scientific, and technical services 6 6.8%
Finance and insurance 5 5.7%
Real estate and rental and leasing 5 5.7%
Wholesale trade 3 3.4%
Information 3 3.4%
Administrative and support and waste management and remediation services 3 3.4%

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 38562 vs 38545 →

ZIP 38562 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 38562 ranks #2 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 38562 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 38562 ranks #5 of 5 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
38545 Bloomington Springs, TN 1,474 8.5 mi
38588 Whitleyville, TN 1,011 8.0 mi
38564 Granville, TN 453 7.4 mi
38501 Cookeville, TN 36,687 11.0 mi

More ZIP Codes in Jackson County

38545 standard
Bloomington Springs, TN
Pop: 1,474
38588 standard
Whitleyville, TN
Pop: 1,011
38564 standard
Granville, TN
Pop: 453

Related Areas

Jackson County Gainesboro, TN Tennessee

Frequently Asked Questions

What county is ZIP code 38562 in? ▼
ZIP code 38562 (Gainesboro) is located in Jackson County, Tennessee. Jackson County contains multiple ZIP codes, see the full list at /counties/jackson-tn.
What is the population of ZIP code 38562? ▼
ZIP code 38562 in Gainesboro, TN has a population of 6,554 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 38562? ▼
The median household income in ZIP 38562 is $39,398, which is 48% below the national average of $76,288.
What is the average home value in ZIP 38562? ▼
The median home value in ZIP 38562 is $148,100, which is 47% below the national average of $278,155.
What is the demographic makeup of ZIP 38562? ▼
The largest racial group in ZIP 38562 is White at 96.0%. Hispanic or Latino residents make up 1.4% of the population.
How many businesses are in ZIP code 38562? ▼
ZIP code 38562 has 88 business establishments employing approximately 871 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 38562? ▼
The top industries by establishment count in ZIP 38562 are: Retail trade (17), Health care and social assistance (12), Accommodation and food services (10). There are 12 industry sectors represented in total.
How have home values changed in ZIP code 38562? ▼
According to the FHFA House Price Index, home values in ZIP 38562 increased by 1.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 167%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 38562? ▼
In ZIP code 38562, 61.1% of residents aged 25+ have a high school diploma or higher, and 14.5% 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 38562? ▼
The mean commute time for workers in ZIP code 38562 is 29.9 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 38562? ▼
In ZIP code 38562, approximately 77.3% of occupied housing units are owner-occupied and 22.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 38562? ▼
The poverty rate in ZIP code 38562 is 21.6% 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.