ZIP Code 38574

ZIP code 38574 is classified by USPS as a standard delivery area and covers roughly 447.5 square miles in Monterey, Putnam County, Tennessee. The area is home to 8,413 residents, producing a population density of 19 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 38574 against Tennessee and the nation.

On the economic side, the median household income for ZIP 38574 sits at $52,223 (21% below the Tennessee average), while per-capita income is $28,741. The poverty rate stands at 19.1% and the unemployment rate at 3.2%. On housing, the median home value is $196,800 (20% below the state average) with median rent at $754 per month, and 75.6% of occupied units are owner-occupied, a direct signal of whether 38574 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 14.7% of adults hold a bachelor's degree or higher, the median age is 37.8, and the average commute is 24 minutes. We also surface 2 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Putnam County, so you can benchmark 38574 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 →