| ZIP Code | 38574 |
|---|---|
| City | Monterey |
| State | Tennessee (TN) |
| County | Putnam County |
| Area Code | 931 |
| Elevation | 1,909 ft |
| Latitude | 36.143643 |
|---|---|
| Longitude | -85.229288 |
| Timezone | Chicago (DST) |
| FIPS | 47141 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 42.1 yrs ↓ 2% since 2019 |
|---|---|
| Avg Household Size | 2.62 |
| Below Poverty | 16.5% ▲ 65% above avg |
| College Grads | 22.9% ▼ 41% below avg |
| Unemployment | 3.8% ▼ 23% below avg |
| No HS Diploma | 111 (2.3%) |
| HS Graduate | 1,956 (40.7%) |
| Some College | 910 (18.9%) |
| Associates | 731 (15.2%) |
| Bachelors | 367 (7.6%) |
| Graduate Degree | 733 (15.2%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $52,043 ▼ 32% below avg ↑ 21% since 2019 |
|---|---|
| Median Home Value | $175,900 ▼ 37% below avg ↑ 20% since 2019 |
| Home/Income Ratio | 3.4x (nat avg ~3.5x) |
| Median Rent | $800/mo ↑ 38% since 2019 |
| Total Units | 3,827 |
| Vacant Units | 501 |
| Avg HH Size | 2.62 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 3,827 |
|---|---|
| Vacant | 501 |
| Owner Occupied | 82.1% |
| Renter Occupied | 17.9% |
| Avg HH Size | 2.62 |
ZIP code 38574 is located in Monterey, Tennessee, within Putnam County. With a population of 8,812, this is a lightly populated ZIP code with a middle-aged community — the median age is 42.1 years. Economically, 38574 is a working-class ZIP code: the median household income of $52,043 is below the national average.
Real estate in ZIP code 38574 represents an affordable housing market. The median home value of $175,900 is below the national average. Renters can expect to pay around $800 per month in median rent. Homeownership is strong here — 82.1% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 20% since 2019.
The population of 38574 is primarily White (88.62%). Residents are less-educated — 22.9% hold a bachelor's degree or higher, which is below the national average. Poverty affects some residents at 16.5%. Household income has grown by 21% since 2019.
The unemployment rate in 38574 stands at 3.8%, which is below the national average. As in most parts of the country, driving alone is the dominant commute mode at 83%.
Overall, ZIP code 38574 in Monterey, TN is characterized as working-class, less-educated, a middle-aged community, and predominantly owner-occupied. With 8,812 residents, a median household income of $52,043, and a median home value of $175,900, it offers a clear picture of life in this part of Tennessee.