PlainZIP

Moss, TN · standard

ZIP Code 38575

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

1,172
11/sq mi
$39,323
Median income
$115,500
Median home value
12.8%
Bachelor's or higher

The verdict

Moss pairs one of the lowest household incomes in the country with among the most affordable home values nationally, in a rural, homeowner-dominated area.

5th pct
household income, US ZIPs
15th pct
home value, US ZIPs
11
people per sq mi
97%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 38575 against every reporting US ZIP.

ZIP code 38575 is a sparsely populated ZIP (a standard USPS delivery area) in Moss, Clay County, Tennessee, home to just 1,172 residents across 107.5 square miles, a density of 11 people per square mile, in the Chicago time zone.

ZIP 38575 sits on the lower end of the income spectrum: median household income is $39,323 (41% below the Tennessee average), while per-capita income is $26,847. Poverty here runs at 13.9%, with unemployment measured at 2.1%. Housing costs here run $115,500 for a typical home value (53% below the state average), with rent averaging - a month; 97.1% of homes are owner-occupied.

Formal educational attainment runs low here: just 12.8% of adults hold a bachelor's degree or higher, the median age is 58, and the average commute is -. We also surface 2 nearby ZIP codes within roughly 10 miles and 1 additional ZIPs sharing Clay County, so you can benchmark 38575 against its immediate geography rather than a national average 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 →

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 38575, Moss, 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

1,172

Population

107.5

Area (sq mi)

11

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 38575?

58.0

Median Age

45.2%

Male

54.8%

Female

0.0%

Foreign-Born

White 99.3%
African American 0.0%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 0.7%
Hispanic or Latino 0.0%

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?

$39,323

Median Household Income

-41% vs state

$26,847

Per Capita Income

13.9%

Poverty Rate

2.1%

Unemployment Rate

How ZIP 38575 ranks nationally

Moss, TN household income vs. every US ZIP code

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

$39,323 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 53.5%
Bachelor's Degree or Higher 12.8%

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

What does housing look like?

444

Total Housing Units

411

Occupied Units

33

Vacant Units

2.10

Avg Household Size

Occupancy Type

Owner 97.1%
Renter 2.9%

$115,500

Median Home Value

-53% vs state

1981

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 10 business establishments in ZIP 38575, employing approximately 145 people with a combined annual payroll of $6,610,000.

10

Businesses

145

Employees

$6.6M

Annual Payroll

1

Industry Sectors

Industry Establishments % of Total
Retail trade 4 40.0%

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 38575 vs 42151 →

ZIP 38575 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 38575 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 38575 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 38575 ranks #3 of 3 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
42151 Hestand, KY 275 7.5 mi
38588 Whitleyville, TN 1,011 8.4 mi

More ZIP Codes in Clay County

38551 standard
Celina, TN
Pop: 4,106

Related Areas

Clay County Moss, TN Tennessee

Frequently Asked Questions

What county is ZIP code 38575 in? ▼
ZIP code 38575 (Moss) is located in Clay County, Tennessee. Clay County contains multiple ZIP codes, see the full list at /counties/clay-tn.
What is the population of ZIP code 38575? ▼
ZIP code 38575 in Moss, TN has a population of 1,172 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 38575? ▼
The median household income in ZIP 38575 is $39,323, which is 48% below the national average of $76,288.
What is the average home value in ZIP 38575? ▼
The median home value in ZIP 38575 is $115,500, which is 58% below the national average of $278,155.
What is the demographic makeup of ZIP 38575? ▼
The largest racial group in ZIP 38575 is White at 99.3%.
How many businesses are in ZIP code 38575? ▼
ZIP code 38575 has 10 business establishments employing approximately 145 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What is the education level in ZIP code 38575? ▼
In ZIP code 38575, 53.5% of residents aged 25+ have a high school diploma or higher, and 12.8% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 38575? ▼
In ZIP code 38575, approximately 97.1% of occupied housing units are owner-occupied and 2.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 38575? ▼
The poverty rate in ZIP code 38575 is 13.9% 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.