| ZIP Code | 38581 |
|---|---|
| City | Rock Island |
| State | Tennessee (TN) |
| County | Warren County |
| Area Code | 931 |
| Elevation | 1,319 ft |
| Latitude | 35.74104 |
|---|---|
| Longitude | -85.620827 |
| Timezone | Chicago (DST) |
| FIPS | 47177 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 49.9 yrs ↑ 19% since 2019 |
|---|---|
| Avg Household Size | 2.27 |
| Below Poverty | 15.4% ▲ 54% above avg |
| College Grads | 19.9% ▼ 49% below avg |
| Unemployment | 2.9% ▼ 40% below avg |
| HS Graduate | 1,384 (50.4%) |
| Some College | 424 (15.4%) |
| Associates | 392 (14.3%) |
| Bachelors | 120 (4.4%) |
| Graduate Degree | 427 (15.5%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $54,784 ▼ 28% below avg ↑ 35% since 2019 |
|---|---|
| Median Home Value | $161,500 ▼ 42% below avg ↑ 65% since 2019 |
| Home/Income Ratio | 2.9x (nat avg ~3.5x) |
| Median Rent | $849/mo ↑ 41% since 2019 |
| Total Units | 2,010 |
| Vacant Units | 272 |
| Avg HH Size | 2.27 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 2,010 |
|---|---|
| Vacant | 272 |
| Owner Occupied | 85.5% |
| Renter Occupied | 14.5% |
| Avg HH Size | 2.27 |
ZIP code 38581 is located in Rock Island, Tennessee, within Warren County. With a population of 3,965, this is a sparsely populated ZIP code with a mature community — the median age is 49.9 years. Economically, 38581 is a working-class ZIP code: the median household income of $54,784 is below the national average.
Real estate in ZIP code 38581 represents an affordable housing market. The median home value of $161,500 is below the national average. Renters can expect to pay around $849 per month in median rent. Homeownership is strong here — 85.5% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 65% since 2019.
The population of 38581 is primarily White (92.99%). Residents are less-educated — 19.9% hold a bachelor's degree or higher, which is below the national average. Poverty affects some residents at 15.4%. Household income has grown by 35% since 2019.
The unemployment rate in 38581 stands at 2.9%, which is below the national average. About 11% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 79%.
Overall, ZIP code 38581 in Rock Island, TN is characterized as working-class, less-educated, a mature community, and predominantly owner-occupied. With 3,965 residents, a median household income of $54,784, and a median home value of $161,500, it offers a clear picture of life in this part of Tennessee.