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
- $55,985
- Median income
- $182,500
- Median home value
- 15.0%
- Bachelor's or higher
The verdict
Rock Island pairs one of the lowest household incomes in the country with below-median home values, in a rural, homeowner-dominated area.
- 22th 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 Tennessee average), while per-capita income is $33,078. The poverty rate stands at 16.0% and the unemployment rate at 3.4%. On housing, the median home value is $182,500 (26% below the state average) with median rent at $928 per month, and 88.6% of occupied units are owner-occupied.
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. We also surface 4 nearby ZIP codes within roughly 10 miles and 3 additional ZIPs sharing Warren County, so you can benchmark 38581 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 →
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
$33,078
Per Capita Income
16.0%
Poverty Rate
3.4%
Unemployment Rate
33.5 min
Mean Commute Time
How ZIP 38581 ranks nationally
Rock Island, TN household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$55,985 22nd percentile higher than 22% of 30,318 US ZIPs
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
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
$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.
More ZIP Codes in Warren County
Related Areas
Frequently Asked Questions
What county is ZIP code 38581 in? ▼
What is the population of ZIP code 38581? ▼
What is the median household income in ZIP 38581? ▼
What is the average home value in ZIP 38581? ▼
What is the demographic makeup of ZIP 38581? ▼
How many businesses are in ZIP code 38581? ▼
What are the main industries in ZIP code 38581? ▼
What is the education level in ZIP code 38581? ▼
What is the average commute time in ZIP 38581? ▼
What percentage of residents own vs. rent in ZIP 38581? ▼
What is the poverty rate in ZIP code 38581? ▼
Read our methodology to see how this data is sourced, computed, and verified.