| ZIP Code | 38469 |
|---|---|
| City | Loretto |
| State | Tennessee (TN) |
| County | Lawrence County |
| Area Code | 931 |
| Elevation | 844 ft |
| Latitude | 35.074631 |
|---|---|
| Longitude | -87.428316 |
| Timezone | Chicago (DST) |
| FIPS | 47099 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 40.9 yrs ↓ 6% since 2019 |
|---|---|
| Avg Household Size | 2.77 |
| Below Poverty | 13.6% ▲ 36% above avg |
| College Grads | 32.8% ▼ 15% below avg |
| Unemployment | 2.8% ▼ 44% below avg |
| No HS Diploma | 54 (2%) |
| HS Graduate | 1,121 (40.6%) |
| Some College | 428 (15.5%) |
| Associates | 253 (9.2%) |
| Bachelors | 321 (11.6%) |
| Graduate Degree | 584 (21.2%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $62,903 ▼ 18% below avg ↑ 28% since 2019 |
|---|---|
| Median Home Value | $161,900 ▼ 42% below avg ↑ 62% since 2019 |
| Home/Income Ratio | 2.6x (nat avg ~3.5x) |
| Median Rent | $680/mo ↑ 5% since 2019 |
| Total Units | 1,776 |
| Vacant Units | 113 |
| Avg HH Size | 2.77 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 1,776 |
|---|---|
| Vacant | 113 |
| Owner Occupied | 86.8% |
| Renter Occupied | 13.2% |
| Avg HH Size | 2.77 |
ZIP code 38469 is located in Loretto, Tennessee, within Lawrence County. With a population of 4,608, this is a lightly populated ZIP code with a middle-aged community — the median age is 40.9 years. Economically, 38469 is a solidly middle-class ZIP code: the median household income of $62,903 is below the national average.
Real estate in ZIP code 38469 represents an affordable housing market. The median home value of $161,900 is below the national average. Renters can expect to pay around $680 per month in median rent. Homeownership is strong here — 86.8% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 62% since 2019.
The population of 38469 is primarily White (93.51%). Residents are moderately educated — 32.8% hold a bachelor's degree or higher, which is below the national average. Poverty affects some residents at 13.6%. Household income has grown by 28% since 2019.
The unemployment rate in 38469 stands at 2.8%, which is below the national average. As in most parts of the country, driving alone is the dominant commute mode at 85%.
Overall, ZIP code 38469 in Loretto, TN is characterized as solidly middle-class, moderately educated, a middle-aged community, and predominantly owner-occupied. With 4,608 residents, a median household income of $62,903, and a median home value of $161,900, it offers a clear picture of life in this part of Tennessee.