Residential delivery area · Tennessee
ZIP Code 38574: Monterey, TN
ZIP code 38574 uses the postal name Monterey, Tennessee and lies mostly in Putnam County (49% of its land), reaching into Overton County, Cumberland County and Fentress County (Census 2020 ZIP-county file). About 9,100 people live there (Census Bureau, ACS 2020-2024). Median household income is $52,223 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Monterey (2%) and Mayland (under 1%); 98% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2024
- ZBP2023
- IRS2022
- Town
- Monterey · its only residential ZIP
- County
- Putnam County (49%); Overton County (33%); Cumberland County (14%); Fentress County (5%)
- Census places
- Monterey (2%); Mayland (under 1%) census-designated place
- Micro area
- Cookeville, TN
- House district
- TN-6 119th Congress
- State
- Tennessee
- Time zone
- Central
- Land area
- 169.3 sq mi · 54 people per sq mi
Where is ZIP code 38574?
38574 centers on 36.144°, -85.229° and covers 169.3 square miles of land plus 0.5 of water. It borders 7 ZIP codes: 38554, 38580, 38506, 38589, 38553, 38571, 38583.
The map draws ZIP code areas only. For the streets inside 38574, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 38574 compare with the rest of Putnam County?
| Measure | 38574 | In Putnam County | In TN |
|---|---|---|---|
| People (ACS 2020-2024) | 9,079 | 4th of 11 | 221st of 636 |
| Median household income | $52k | 5th of 6 | 328th of 425 |
| Median home value | $197k | 5th of 5 | 286th of 436 |
Its median household income is higher than in 17% of U.S. residential ZIP codes, and it is denser than 44% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 38574?
The 2020 Census counted 8,816 people in 38574; the ACS, which samples households over 2020-2024, estimates 9,079. Between the 2010 and 2020 censuses its population grew 4.8% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 9,079±916 (90% margin)
- 2020 Census count
- 8,816+4.8% since 2010 (8,413)
- Households
- 3,525
- Median age
- 37.8
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 38574?
Of the 9,079 people the ACS estimates in 38574, 25.4% are under 18 and 18.4% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (89.9%).
- Under 1825.4%
- 18 to 6456.1%
- 65 and older18.4%
- White, not Hispanic89.9%
- Hispanic or Latino9.1%
- Other or two or more0.7%
- Black, not Hispanic0.2%
- Asian, not Hispanic0.1%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 38574 earn?
Median household income is $52,223 (ACS 2020-2024), the 5th highest of the 6 ranked ZIP codes in Putnam County. It is not measurably different from 2015-2019 ($52,914 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $52,223±$5,423
- Income per person
- $28,741
- Below the poverty line
- 19.1%
- Unemployed (of the labor force)
- 3.2%
- Adults 25+ with a bachelor's degree
- 14.7%
- Adjusted gross income per tax return, 2022
- $62,9263,780 returns; wages 58% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 38574?
- Median home value (owners' estimate)
- $196,800
- Median gross rent
- $754
- Homes owned by their occupants
- 75.6%
- Housing units
- 3,989
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 38574?
122 business establishments had a location in this ZIP code in 2023, 22 more than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade19
- Other services (except public administration)18
- Construction17
- Accommodation and food services15
- Manufacturing9
- Health care and social assistance8
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 38574?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 38554 | Crawford | 719 | $32k | 8.4 mi |
| 38580 | Rickman | 1,609 | $70k | 9.9 mi |
| 38506 | Cookeville | 30,100 | $70k | 11.8 mi |
| 38589 | Wilder | 527 | $59k | 13.0 mi |
| 38553 | Clarkrange | 2,521 | $64k | 13.2 mi |
| 38571 | Crossville | 14,678 | $59k | 13.7 mi |
| 38583 | Sparta | 25,584 | $55k | 17.3 mi |
| 38578 | Pleasant Hill | 129 | $54k | 11.4 mi (near) |
| 38542 | Allred | 0 | – | 12.0 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.