Rock Island, TN · standard
ZIP Code 38581
Warren County, Tennessee - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 4,112
- 16/sq mi Moderate-density area
- $55,985
- Median income Below-median income area
- $182,500
- Median home value Near-median home value
- 15.0%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Rock Island pairs one of the lowest household incomes in the country with below-median home values, in a rural, homeowner-dominated area.
- 22nd pct
- household income, US ZIPs
- 39th pct
- home value, US ZIPs
- 16
- people per sq mi
- 89%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 38581 against every reporting US ZIP.
ZIP code 38581 covers 257.0 square miles in Rock Island, Warren County, Tennessee (a standard USPS delivery area), with a modest 4,112 residents on file, a density of 16 people per square mile, in the Chicago time zone.
ZIP 38581 reports a modest median household income of $55,985 (16% below the average Tennessee ZIP), while per-capita income is $33,078. The poverty rate is 16.0%, with unemployment at 3.4%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $182,500 (26% below the average Tennessee ZIP), and median rent is $928; owner occupancy is 88.6%.
Educational attainment sits below the national norm: 15.0% of adults hold a bachelor's degree or higher, the median age is 53.1, and the average commute is 34 minutes. The page also surfaces 4 ZIP codes within roughly 10 miles and 3 more in Warren County, so 38581 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 38581
Top 5 sectors by establishment count in Rock Island, TN
Which industries have the most business establishments in ZIP 38581.
- Construction
Construction
7 establishments
- Retail trade
Retail trade
7 establishments
- Manufacturing
Manufacturing
4 establishments
- Other services (except public administration)
Other services (except public administration)
4 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
3 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 38581, Rock Island, 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
4,112
Population
257.0
Area (sq mi)
16
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 38581?
53.1
Median Age
51.8%
Male
48.2%
Female
1.8%
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?
$55,985
Median Household Income
-16% vs state ZIP avg
$33,078
Per Capita Income
16.0%
Poverty Rate
3.4%
Unemployment Rate
33.5 min
Mean Commute Time
How ZIP 38581 ranks among Tennessee ZIPs
Rock Island, 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)
$55,985 37th percentile higher than 37% 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
2,018housing units
2,018
Total Housing Units
1,784
Occupied Units
234
Vacant Units
2.28
Avg Household Size
Occupancy Type
$182,500
Median Home Value
-26% vs state ZIP avg
$928
Median Rent
1978
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 36 business establishments in ZIP 38581, employing approximately 211 people with a combined annual payroll of $9,037,000.
36
Businesses
211
Employees
$9.0M
Annual Payroll
7
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 7 | 19.4% |
| Retail trade | 7 | 19.4% |
| Manufacturing | 4 | 11.1% |
| Other services (except public administration) | 4 | 11.1% |
| Professional, scientific, and technical services | 3 | 8.3% |
| Health care and social assistance | 3 | 8.3% |
| Accommodation and food services | 3 | 8.3% |
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 38581 vs 38587 →
ZIP 38581 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 37110
Mcminnville (37110)
32,495 residents
- 38581 4,112
Rock Island (38581)
4,112 residents
- 38559 1,340
Doyle (38559)
1,340 residents
- 38587 1,301
Walling (38587)
1,301 residents
- 38579 1,063
Quebeck (38579)
1,063 residents
What this shows Among its immediate neighbors, ZIP 38581 ranks #2 by population - useful context the national average alone can't give.
ZIP 38581 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 38581
Rock Island (38581)
$55,985 median income
- 37110
Mcminnville (37110)
$52,932 median income
- 38579
Quebeck (38579)
$51,940 median income
- 38587
Walling (38587)
$51,500 median income
- 38559
Doyle (38559)
$43,961 median income
What this shows By household income, ZIP 38581 ranks the highest 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 38581, 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 (4,112 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Warren County
Related Areas
Frequently Asked Questions
What county is ZIP code 38581 in?
ZIP code 38581 (Rock Island) is located in Warren County, Tennessee. Warren County contains multiple ZIP codes, see the full list at /counties/warren-tn.
What is the population of ZIP code 38581?
ZIP code 38581 in Rock Island, TN has a population of 4,112 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 38581?
The median household income in ZIP 38581 is $55,985, which is 27% below the national average of $76,288.
What is the average home value in ZIP 38581?
The median home value in ZIP 38581 is $182,500, which is 34% below the national average of $278,155.
What is the demographic makeup of ZIP 38581?
The largest racial group in ZIP 38581 is White at 92.5%. Hispanic or Latino residents make up 4.2% of the population.
How many businesses are in ZIP code 38581?
ZIP code 38581 has 36 business establishments employing approximately 211 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 38581?
The top industries by establishment count in ZIP 38581 are: Construction (7), Retail trade (7), Manufacturing (4). There are 7 industry sectors represented in total.
What is the education level in ZIP code 38581?
In ZIP code 38581, 63.7% of residents aged 25+ have a high school diploma or higher, and 15.0% 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 38581?
The mean commute time for workers in ZIP code 38581 is 33.5 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 38581?
In ZIP code 38581, approximately 88.6% of occupied housing units are owner-occupied and 11.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 38581?
The poverty rate in ZIP code 38581 is 16.0% 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 38581's numbers, next.
- See how ZIP 38581 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Rock Island, 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.