| ZIP Code | 38481 |
|---|---|
| City | Saint Joseph |
| State | Tennessee (TN) |
| County | Lawrence County |
| Area Code | 931 |
| Elevation | 799 ft |
| Latitude | 35.028051 |
|---|---|
| Longitude | -87.488656 |
| Timezone | Chicago (DST) |
| FIPS | 47099 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 40.8 yrs ↑ 3% since 2019 |
|---|---|
| Avg Household Size | 2.35 |
| Below Poverty | 15.8% ▲ 58% above avg |
| College Grads | 21.3% ▼ 45% below avg |
| Unemployment | 2.1% ▼ 57% below avg |
| No HS Diploma | 31 (5.6%) |
| HS Graduate | 268 (48.4%) |
| Some College | 79 (14.3%) |
| Associates | 58 (10.5%) |
| Bachelors | 49 (8.8%) |
| Graduate Degree | 69 (12.5%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $45,909 ▼ 40% below avg ↑ 25% since 2019 |
|---|---|
| Median Home Value | $122,400 ▼ 56% below avg ↑ 70% since 2019 |
| Home/Income Ratio | 2.7x (nat avg ~3.5x) |
| Median Rent | $625/mo ↑ 17% since 2019 |
| Total Units | 411 |
| Vacant Units | 39 |
| Avg HH Size | 2.35 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 411 |
|---|---|
| Vacant | 39 |
| Owner Occupied | 83.1% |
| Renter Occupied | 16.9% |
| Avg HH Size | 2.35 |
ZIP code 38481 is located in Saint Joseph, Tennessee, within Lawrence County. With a population of 876, this is a sparsely populated ZIP code with a middle-aged community — the median age is 40.8 years. Economically, 38481 is a working-class ZIP code: the median household income of $45,909 is below the national average.
Real estate in ZIP code 38481 represents one of the more affordable housing markets in the country. The median home value of $122,400 is well below the national average. Renters can expect to pay around $625 per month in median rent. Homeownership is strong here — 83.1% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 70% since 2019.
The population of 38481 is primarily White (94.06%). Residents are less-educated — 21.3% hold a bachelor's degree or higher, which is below the national average. Poverty affects some residents at 15.8%. Household income has grown by 25% since 2019.
The unemployment rate in 38481 stands at 2.1%, which is well below the national average. As in most parts of the country, driving alone is the dominant commute mode at 81%.
Overall, ZIP code 38481 in Saint Joseph, TN is characterized as working-class, less-educated, a middle-aged community, and predominantly owner-occupied. With 876 residents, a median household income of $45,909, and a median home value of $122,400, it offers a clear picture of life in this part of Tennessee.