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 Moderate-density area
- $39,398
- Median income Below-median income area
- $148,100
- Median home value Below-median home value
- 14.5%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 38562 (Gainesboro, TN) rose +1.3% from 2023 to 2024. The all-transactions index moved from 263.4 in 2023 to 266.9 in 2024 (2000 = 100).
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 average Tennessee ZIP), while per-capita income is $30,783. The poverty rate is 21.6%, so the area-level income figures should not be treated as typical household experience. Home values sit below the statewide ZIP benchmark: the median is $148,100 (40% below the average Tennessee ZIP), and median rent is $689; owner occupancy is 77.3%.
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. The page also surfaces 4 ZIP codes within roughly 10 miles and 3 more in Jackson County, so 38562 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 38562
Top 5 sectors by establishment count in Gainesboro, TN
Which industries have the most business establishments in ZIP 38562.
- Retail trade
Retail trade
17 establishments
- Health care and social assistance
Health care and social assistance
12 establishments
- Accommodation and food services
Accommodation and food services
10 establishments
- Construction
Construction
8 establishments
- Manufacturing
Manufacturing
7 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 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
Who lives in ZIP 38562?
48.1
Median Age
51.3%
Male
48.7%
Female
0.3%
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?
$39,398
Median Household Income
-41% vs state ZIP avg
$30,783
Per Capita Income
21.6%
Poverty Rate
7.8%
Unemployment Rate
29.9 min
Mean Commute Time
How ZIP 38562 ranks among Tennessee ZIPs
Gainesboro, 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)
$39,398 7th percentile higher than 7% 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
3,310housing units
3,310
Total Housing Units
2,748
Occupied Units
562
Vacant Units
2.30
Avg Household Size
Occupancy Type
$148,100
Median Home Value
-40% vs state ZIP avg
$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.
- 38501
Cookeville (38501)
36,687 residents
- 38562 6,554
Gainesboro (38562)
6,554 residents
- 38545 1,474
Bloomington Springs (38545)
1,474 residents
- 38588 1,011
Whitleyville (38588)
1,011 residents
- 38564 453
Granville (38564)
453 residents
What this shows Among its immediate neighbors, ZIP 38562 ranks #2 by population - useful context the national average alone can't give.
ZIP 38562 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 38564
Granville (38564)
$88,947 median income
- 38545
Bloomington Springs (38545)
$59,512 median income
- 38501
Cookeville (38501)
$52,145 median income
- 38588
Whitleyville (38588)
$44,583 median income
- 38562
Gainesboro (38562)
$39,398 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 38562, 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 (6,554 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Jackson County
Related Areas
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.
Related
Take this with you
What to do with ZIP 38562's numbers, next.
- See how ZIP 38562 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Gainesboro, 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.