Monterey, TN · standard
ZIP Code 38574
Putnam County, Tennessee - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 8,413
- 19/sq mi Moderate-density area
- $52,223
- Median income Below-median income area
- $196,800
- Median home value Near-median home value
- 14.7%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Monterey pairs one of the lowest household incomes in the country with below-median home values, in a rural, homeowner-dominated area.
- 17th pct
- household income, US ZIPs
- 43rd pct
- home value, US ZIPs
- 19
- people per sq mi
- 76%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 38574 against every reporting US ZIP.
ZIP code 38574 is a mid-sized community (a standard USPS delivery area) in Monterey, Putnam County, Tennessee, home to 8,413 residents across 447.5 square miles, a density of 19 people per square mile, in the Chicago time zone.
ZIP 38574 reports a modest median household income of $52,223 (21% below the average Tennessee ZIP), while per-capita income is $28,741. The poverty rate is 19.1%, with unemployment at 3.2%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $196,800 (20% below the average Tennessee ZIP), and median rent is $754; owner occupancy is 75.6%.
Formal educational attainment runs low here: just 14.7% of adults hold a bachelor's degree or higher, the median age is 37.8, and the average commute is 24 minutes. The page also surfaces 2 ZIP codes within roughly 10 miles and 6 more in Putnam County, so 38574 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 38574
Top 5 sectors by establishment count in Monterey, TN
Which industries have the most business establishments in ZIP 38574.
- Retail trade
Retail trade
19 establishments
- Other services (except public administration)
Other services (except public administration)
18 establishments
- Construction
Construction
17 establishments
- Accommodation and food services
Accommodation and food services
15 establishments
- Manufacturing
Manufacturing
9 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 38574, Monterey, 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
8,413
Population
447.5
Area (sq mi)
19
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 38574?
37.8
Median Age
53.1%
Male
46.9%
Female
3.1%
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?
$52,223
Median Household Income
-21% vs state ZIP avg
$28,741
Per Capita Income
19.1%
Poverty Rate
3.2%
Unemployment Rate
23.5 min
Mean Commute Time
How ZIP 38574 ranks among Tennessee ZIPs
Monterey, 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)
$52,223 27th percentile higher than 27% 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
3,989housing units
3,989
Total Housing Units
3,525
Occupied Units
464
Vacant Units
2.55
Avg Household Size
Occupancy Type
$196,800
Median Home Value
-20% vs state ZIP avg
$754
Median Rent
1991
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
+17.1%
YoY Change (2024)
387
HPI Index (2000 = 100)
+287%
Total Change Since 2000
Home values in ZIP 38574 have increased 17.1% over the past year (2024). Since 2000, this ZIP has seen +287% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2019 | +20.3% | 198 |
| 2020 | -4.7% | 189 |
| 2021 | +22.1% | 231 |
| 2022 | +17.1% | 271 |
| 2024 | – | 387 |
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 122 business establishments in ZIP 38574, employing approximately 1,755 people with a combined annual payroll of $71,439,000.
122
Businesses
1,755
Employees
$71.4M
Annual Payroll
13
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 19 | 15.6% |
| Other services (except public administration) | 18 | 14.8% |
| Construction | 17 | 13.9% |
| Accommodation and food services | 15 | 12.3% |
| Manufacturing | 9 | 7.4% |
| Health care and social assistance | 8 | 6.6% |
| Transportation and warehousing | 6 | 4.9% |
| Finance and insurance | 6 | 4.9% |
| Professional, scientific, and technical services | 5 | 4.1% |
| Real estate and rental and leasing | 4 | 3.3% |
| Arts, entertainment, and recreation | 4 | 3.3% |
| Mining, quarrying, and oil and gas extraction | 3 | 2.5% |
| Wholesale trade | 3 | 2.5% |
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 38574 vs 38554 →
ZIP 38574 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 38574
Monterey (38574)
8,413 residents
- 38580 1,743
Rickman (38580)
1,743 residents
- 38554 827
Crawford (38554)
827 residents
What this shows Among its immediate neighbors, ZIP 38574 ranks the most populous - useful context the national average alone can't give.
ZIP 38574 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 38580
Rickman (38580)
$70,081 median income
- 38574
Monterey (38574)
$52,223 median income
- 38554
Crawford (38554)
$31,771 median income
What this shows By household income, ZIP 38574 ranks #2 of 3 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 38574, 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 (8,413 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Putnam County
Related Areas
Frequently Asked Questions
What county is ZIP code 38574 in?
ZIP code 38574 (Monterey) is located in Putnam County, Tennessee. Putnam County contains multiple ZIP codes, see the full list at /counties/putnam-tn.
What is the population of ZIP code 38574?
ZIP code 38574 in Monterey, TN has a population of 8,413 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 38574?
The median household income in ZIP 38574 is $52,223, which is 32% below the national average of $76,288.
What is the average home value in ZIP 38574?
The median home value in ZIP 38574 is $196,800, which is 29% below the national average of $278,155.
What is the demographic makeup of ZIP 38574?
The largest racial group in ZIP 38574 is White at 92.2%. Hispanic or Latino residents make up 9.1% of the population.
How many businesses are in ZIP code 38574?
ZIP code 38574 has 122 business establishments employing approximately 1,755 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 38574?
The top industries by establishment count in ZIP 38574 are: Retail trade (19), Other services (except public administration) (18), Construction (17). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 38574?
According to the FHFA House Price Index, home values in ZIP 38574 increased by 17.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 287%. 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 38574?
In ZIP code 38574, 56.8% of residents aged 25+ have a high school diploma or higher, and 14.7% 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 38574?
The mean commute time for workers in ZIP code 38574 is 23.5 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 38574?
In ZIP code 38574, approximately 75.6% of occupied housing units are owner-occupied and 24.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 38574?
The poverty rate in ZIP code 38574 is 19.1% 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 38574's numbers, next.
- See how ZIP 38574 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Monterey, 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.