| ZIP Code | 38551 |
|---|---|
| City | Celina |
| State | Tennessee (TN) |
| County | Clay County |
| Area Code | 931 |
| Elevation | 545 ft |
| Latitude | 36.55805 |
|---|---|
| Longitude | -85.487178 |
| Timezone | Chicago (DST) |
| FIPS | 47027 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 43.9 yrs ↓ 7% since 2019 |
|---|---|
| Avg Household Size | 2.39 |
| Below Poverty | 21.4% ▲ 114% above avg |
| College Grads | 22.3% ▼ 42% below avg |
| Unemployment | 6.1% ▲ 24% above avg |
| No HS Diploma | 80 (3.1%) |
| HS Graduate | 1,113 (43.3%) |
| Some College | 624 (24.3%) |
| Associates | 180 (7%) |
| Bachelors | 302 (11.8%) |
| Graduate Degree | 271 (10.5%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $39,744 ▼ 48% below avg ↑ 26% since 2019 |
|---|---|
| Median Home Value | $121,900 ▼ 56% below avg ↑ 6% since 2019 |
| Home/Income Ratio | 3.1x (nat avg ~3.5x) |
| Median Rent | $528/mo ↑ 23% since 2019 |
| Total Units | 2,262 |
| Vacant Units | 504 |
| Avg HH Size | 2.39 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 2,262 |
|---|---|
| Vacant | 504 |
| Owner Occupied | 69.0% |
| Renter Occupied | 31.0% |
| Avg HH Size | 2.39 |
ZIP code 38551 is located in Celina, Tennessee, within Clay County. With a population of 4,318, this is a lightly populated ZIP code with a middle-aged community — the median age is 43.9 years. Economically, 38551 is a lower-income ZIP code: the median household income of $39,744 is below the national average.
Real estate in ZIP code 38551 represents one of the more affordable housing markets in the country. The median home value of $121,900 is well below the national average. Renters can expect to pay around $528 per month in median rent. Homeownership is strong here — 69.0% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 6% since 2019.
The population of 38551 is primarily White (93.40%). Residents are less-educated — 22.3% hold a bachelor's degree or higher, which is below the national average. Poverty affects a significant share of residents at 21.4%. Household income has grown by 26% since 2019.
The unemployment rate in 38551 stands at 6.1%, which is above the national average. As in most parts of the country, driving alone is the dominant commute mode at 88%.
Overall, ZIP code 38551 in Celina, TN is characterized as lower-income, less-educated, a middle-aged community, and predominantly owner-occupied. With 4,318 residents, a median household income of $39,744, and a median home value of $121,900, it offers a clear picture of life in this part of Tennessee.