| ZIP Code | 38260 |
|---|---|
| City | Troy |
| State | Tennessee (TN) |
| County | Obion County |
| Area Code | 731 |
| Elevation | 429 ft |
| Latitude | 36.375274 |
|---|---|
| Longitude | -89.212672 |
| Timezone | Chicago (DST) |
| FIPS | 47131 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 45.7 yrs ↑ 9% since 2019 |
|---|---|
| Avg Household Size | 2.33 |
| Below Poverty | 13.7% ▲ 37% above avg |
| College Grads | 23.2% ▼ 40% below avg |
| Unemployment | 4.4% ▼ 9% below avg |
| No HS Diploma | 27 (1.1%) |
| HS Graduate | 1,115 (46.8%) |
| Some College | 328 (13.8%) |
| Associates | 358 (15%) |
| Bachelors | 103 (4.3%) |
| Graduate Degree | 450 (18.9%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $49,336 ▼ 35% below avg ↑ 12% since 2019 |
|---|---|
| Median Home Value | $117,100 ▼ 58% below avg ↑ 20% since 2019 |
| Home/Income Ratio | 2.4x (nat avg ~3.5x) |
| Median Rent | $780/mo ↑ 22% since 2019 |
| Total Units | 1,794 |
| Vacant Units | 150 |
| Avg HH Size | 2.33 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 1,794 |
|---|---|
| Vacant | 150 |
| Owner Occupied | 78.9% |
| Renter Occupied | 21.1% |
| Avg HH Size | 2.33 |
ZIP code 38260 is located in Troy, Tennessee, within Obion County. With a population of 3,846, this is a sparsely populated ZIP code with a mature community — the median age is 45.7 years. Economically, 38260 is a working-class ZIP code: the median household income of $49,336 is below the national average.
Real estate in ZIP code 38260 represents one of the more affordable housing markets in the country. The median home value of $117,100 is well below the national average. Renters can expect to pay around $780 per month in median rent. Homeownership is strong here — 78.9% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 20% since 2019.
The population of 38260 is primarily White (94.83%). Residents are less-educated — 23.2% hold a bachelor's degree or higher, which is below the national average. Poverty affects some residents at 13.7%. Household income has grown by 12% since 2019.
The unemployment rate in 38260 stands at 4.4%, which is near the national average. As in most parts of the country, driving alone is the dominant commute mode at 87%.
Overall, ZIP code 38260 in Troy, TN is characterized as working-class, less-educated, a mature community, and predominantly owner-occupied. With 3,846 residents, a median household income of $49,336, and a median home value of $117,100, it offers a clear picture of life in this part of Tennessee.