Residential delivery area · Tennessee
ZIP Code 38581: Rock Island, TN
ZIP code 38581 uses the postal name Rock Island, Tennessee and lies mostly in Warren County (53% of its land), reaching into Van Buren County and DeKalb County (Census 2020 ZIP-county file). About 4,100 people live there (Census Bureau, ACS 2020-2024). Median household income is $55,985 (Census Bureau, ACS 2020-2024). Its land lies outside any incorporated or census-designated place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Rock Island · its only residential ZIP
- County
- Warren County (53%); Van Buren County (45%); DeKalb County (1%)
- Micro area
- McMinnville, TN
- House districts
- TN-6 (52%), TN-4 (48%) 119th Congress, by share of land
- State
- Tennessee
- Time zone
- Central
- Land area
- 98.0 sq mi · 42 people per sq mi
Where is ZIP code 38581?
38581 centers on 35.741°, -85.621° and covers 98.0 square miles of land plus 1.0 of water. It borders 6 ZIP codes: 38550, 38559, 38587, 37110, 38585, 37166.
The map draws ZIP code areas only. For the streets inside 38581, 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 38581 compare with the rest of Warren County?
| Measure | 38581 | In Warren County | In TN |
|---|---|---|---|
| People (ACS 2020-2024) | 4,079 | 5th of 7 | 332nd of 636 |
| Median household income | $56k | 3rd of 5 | 288th of 425 |
| Median home value | $183k | not ranked | not ranked |
38581's median home value is not ranked: its 90% margin of error (±$46,400) is more than a quarter of the figure ($182,500). Rankings use ZIP codes of 1,000 or more people living in households, with margins at most 25% of the figure.
Its median household income is higher than in 22% of U.S. residential ZIP codes, and it is denser than 39% 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 38581?
The 2020 Census counted 4,354 people in 38581; the ACS, which samples households over 2020-2024, estimates 4,079. Between the 2010 and 2020 censuses its population grew 5.9% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 4,079±490 (90% margin)
- 2020 Census count
- 4,354+5.9% since 2010 (4,112)
- Households
- 1,784
- Median age
- 53.1
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 38581?
Of the 4,079 people the ACS estimates in 38581, 14.6% are under 18 and 26.1% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (92.5%).
- Under 1814.6%
- 18 to 6459.3%
- 65 and older26.1%
- White, not Hispanic92.5%
- Hispanic or Latino4.2%
- Other or two or more2.0%
- Black, not Hispanic1.1%
- Asian, not Hispanic0.2%
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 38581 earn?
Median household income is $55,985 (ACS 2020-2024), the 3rd highest of the 5 ranked ZIP codes in Warren County. It is not measurably different from 2015-2019 ($49,608 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $55,985±$10,283
- Income per person
- $33,078
- Below the poverty line
- 16.0%
- Unemployed (of the labor force)
- 3.4%
- Adults 25+ with a bachelor's degree
- 15.0%
- Adjusted gross income per tax return, 2022
- $59,4191,910 returns; wages 66% 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 38581?
FHFA's house price index for 38581, built from repeat sales and appraisals of the same homes, rose 162% from 2015 to 2025 and rose 107% from 2020 to 2025, and moved +8.4% in 2025.
- Median home value (owners' estimate)
- $182,500
- Median gross rent
- $928
- Homes owned by their occupants
- 88.6%
- Housing units
- 2,018
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 38581?
36 business establishments had a location in this ZIP code in 2023, 9 more than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction7
- Retail trade7
- Manufacturing4
- Other services (except public administration)4
- Professional, scientific, and technical services3
- Health care and social assistance3
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 38581?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 38550 | Campaign | 17 | – | 2.1 mi |
| 38559 | Doyle | 1,551 | $44k | 7.9 mi |
| 38587 | Walling | 1,446 | $52k | 8.6 mi |
| 37110 | McMinnville | 34,296 | $53k | 9.5 mi |
| 38585 | Spencer | 4,084 | $48k | 12.1 mi |
| 37166 | Smithville | 15,731 | $53k | 15.4 mi |
| 38579 | Quebeck | 1,475 | $52k | 7.7 mi (near) |
| 38583 | Sparta | 25,584 | $55k | 18.1 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.