Zip code 38481: Saint Joseph, Tennessee

Q: What city is zip code 38481?

38481 is assigned to Saint Joseph, Tennessee. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 38481 in?

38481 is in Lawrence County, Tennessee.

Q: What is the population of 38481?

About 890 people live in 38481, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 38481?

The median household income in 38481 is $49,567.

Q: What zip codes are near 38481?

The closest zip codes to 38481 are 38469, 35648, 35645, 38463, 35634.

Residential delivery areaLawrence CountyCentral Time

Population

890

Median household income

$50K

U.S. $81K

Median home value

$193K

U.S. $333K

Median rent

$628/mo

U.S. $1,413

Median age

42.5

U.S. 38.9

Land area

10 sq mi

85 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 38481

38481 is a small-town zip code in Saint Joseph, Tennessee (Lawrence County), covering 10 sq mi of land. About 890 people live here, or 85 per square mile. The median resident is 42.5 years old, compared with 38.9 nationally.

The median household earns $49,567 a year, 39% below the national median of $80,734. 16.6% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $192,700, or 3.9 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 84% of occupied homes are lived in by their owners, and renters pay a median of $628 a month.

16% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 27.3 minutes each way, and 4% of workers work from home. The most common jobs among working residents are in education; healthcare; and production and manufacturing.

How 38481 compares

Sorted from highest to lowest national percentile

Income inequality (Gini)0.593
99th
WeaknessU.S. 0.483 · TN 0.47612th of 600 in TN
Homeownership rate84.3%
88th
StrengthU.S. 65.2% · TN 66.9%171st of 600 in TN
Healthcare workers12.4%
84th
U.S. 9.7% · TN 9.6%138th of 607 in TN
Government workers19.8%
84th
U.S. 14.5% · TN 13.7%110th of 607 in TN
Poverty rate16.6%
75th
U.S. 12.5% · TN 13.8%219th of 600 in TN
Median age42.5
74th
U.S. 38.9 · TN 38.9294th of 608 in TN
Housing vacancy8.4%
63rd
U.S. 10.1% · TN 10.2%404th of 602 in TN
Residents 65 and older18.2%
62nd
U.S. 17.2% · TN 17.1%347th of 608 in TN
Per capita income$44,422
61st
U.S. $44,673 · TN $39,43798th of 608 in TN
Average commute27.3 min
58th
U.S. 26.4 min · TN 25.7 min317th of 597 in TN
Uninsured rate7.9%
58th
U.S. 8.4% · TN 10%383rd of 607 in TN
Self-employed workers9.2%
49th
U.S. 10% · TN 9.8%322nd of 607 in TN
Veterans5.5%
45th
U.S. 6.2% · TN 7.3%453rd of 607 in TN
Median earnings per worker$44,107
37th
U.S. $49,666 · TN $45,229245th of 606 in TN
Rent-burdened renters46.6%
34th
U.S. 51.1% · TN 48.8%245th of 584 in TN
Residents under 1818.7%
23rd
U.S. 22% · TN 22.2%407th of 608 in TN
Median home value$192,700
20th
U.S. $332,700 · TN $286,700350th of 590 in TN
Population density85/sq mi
12th
U.S. 95/sq mi · TN 171/sq mi307th of 608 in TN
Bachelor's degree or higher16.1%
12th
WeaknessU.S. 35.7% · TN 31.1%371st of 604 in TN
Foreign-born residents1.6%
10th
U.S. 14.1% · TN 6.1%324th of 608 in TN
Median household income$49,567
8th
WeaknessU.S. $80,734 · TN $69,595475th of 590 in TN
Diversity index15.1
8th
U.S. 61.4 · TN 46.4412th of 608 in TN
Work from home4.4%
6th
U.S. 15.1% · TN 12.9%491st of 608 in TN
Broadband access78%
3rd
WeaknessU.S. 91% · TN 89.2%513th of 600 in TN
Median gross rent$628
2nd
U.S. $1,413 · TN $1,189476th of 515 in TN
Population890
1st
U.S. 334,922,499 · TN 7,066,383546th of 608 in TN
Unemployment rate0.7%
1st
StrengthU.S. 5.2% · TN 4.7%541st of 607 in TN
Tech workers0%
1st
U.S. 3.8% · TN 2.8%550th of 607 in TN

Measure	38481	Lawrence	TN	U.S.	National percentile	Rank in TN
Income inequality (Gini)Weakness	0.593	0.451	0.476	0.483	99th	12th of 600
Homeownership rateStrength	84.3%	77.6%	66.9%	65.2%	88th	171st of 600
Healthcare workers	12.4%	11.6%	9.6%	9.7%	84th	138th of 607
Government workers	19.8%	12.9%	13.7%	14.5%	84th	110th of 607
Poverty rate	16.6%	15%	13.8%	12.5%	75th	219th of 600
Median age	42.5	39.3	38.9	38.9	74th	294th of 608
Housing vacancy	8.4%	9.3%	10.2%	10.1%	63rd	404th of 602
Residents 65 and older	18.2%	17.8%	17.1%	17.2%	62nd	347th of 608
Per capita income	$44,422	$28,990	$39,437	$44,673	61st	98th of 608
Average commute	27.3 min	25.6 min	25.7 min	26.4 min	58th	317th of 597
Uninsured rate	7.9%	14.3%	10%	8.4%	58th	383rd of 607
Self-employed workers	9.2%	15.7%	9.8%	10%	49th	322nd of 607
Veterans	5.5%	5.1%	7.3%	6.2%	45th	453rd of 607
Median earnings per worker	$44,107	$40,434	$45,229	$49,666	37th	245th of 606
Rent-burdened renters	46.6%	47.3%	48.8%	51.1%	34th	245th of 584
Residents under 18	18.7%	25%	22.2%	22%	23rd	407th of 608
Median home value	$192,700	$194,400	$286,700	$332,700	20th	350th of 590
Population density	85/sq mi	74/sq mi	171/sq mi	95/sq mi	12th	307th of 608
Bachelor's degree or higherWeakness	16.1%	15.2%	31.1%	35.7%	12th	371st of 604
Foreign-born residents	1.6%	1.4%	6.1%	14.1%	10th	324th of 608
Median household incomeWeakness	$49,567	$54,706	$69,595	$80,734	8th	475th of 590
Diversity index	15.1	15.1	46.4	61.4	8th	412th of 608
Work from home	4.4%	10.6%	12.9%	15.1%	6th	491st of 608
Broadband accessWeakness	78%	83.6%	89.2%	91%	3rd	513th of 600
Median gross rent	$628	$763	$1,189	$1,413	2nd	476th of 515
Population	890	45,385	7,066,383	334,922,499	1st	546th of 608
Unemployment rateStrength	0.7%	4.9%	4.7%	5.2%	1st	541st of 607
Tech workers	0%	1.4%	2.8%	3.8%	1st	550th of 607

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

15%

5–17

10%

18–24

10%

25–34

14%

35–44

15%

45–54

14%

55–64

11%

65–74

75+

Median age

42.5

Under 18

18.7%

65 and over

18.2%

Race and ethnicity

White92%
Black3%
Hispanic2%
Asian0%
Native American0%
Pacific Islander0%
Other1%
Multiracial2%

Diversity index

15.1

U.S. 61.4

Foreign-born

1.6%

U.S. 14.1%

Born in state

54.4%

Language spoken at home (households)

English only

96%

Spanish

Other Indo-European

Asian / Pacific

Other

Households

Households: 395
Average household size: 2.3
Family households: 53.9%
Married couples: 42.8%
Living alone: 44.1%
Veterans (of adults): 5.5%
Male / female: 50% / 50%

Income and poverty

Household income distribution

<$25k

30%

$25–50k

21%

$50–75k

17%

$75–100k

$100–150k

19%

$150–200k

$200k+

Median household income

38481

$49,567

Lawrence Co.

$54,706

Tennessee

$69,595

United States

$80,734

Per capita income

$44,422

U.S. $44,673

Poverty rate

16.6%

U.S. 12.5%

Households earning $150K+

10.6%

U.S. 23%

Income inequality (Gini)

0.593

U.S. 0.483

Housing

Median home value

38481

$192,700

Lawrence Co.

$194,400

Tennessee

$286,700

United States

$332,700

Median gross rent

38481

$628

Lawrence Co.

$763

Tennessee

$1,189

United States

$1,413

Types of housing

Single-family

82%

2–4 units

5–19 units

20+ units

Mobile home

13%

Boat, RV, van

0.7%

Housing units: 431
Owner-occupied: 84.3%
Vacant: 8.4%
Median year built: 1974
Median rooms: 6.3
Renters paying 30%+ of income: 46.6%
Renters paying 50%+ of income: 24.1%
Home value to income: 3.9× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

81%

Carpooled

11%

Transit

Walked

Bicycle

Worked from home

Other

Commute time (one way)

<10 min

21%

10–19

20%

20–29

21%

30–44

12%

45–59

14%

60+

12%

Average commute

27.3 min

U.S. 26.4 min

Unemployment

0.7%

U.S. 5.2%

In labor force

59%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Education

12%

Healthcare

12%

Production

12%

Construction and repair

11%

Transportation and moving

Sales

Farming, fishing and forestry

Cleaning and personal care

Office and admin

Management

Food service

Arts, media and sports

Engineering and science

Legal and social services

Business and finance

Computer and math

Police and fire

Industries

Manufacturing

19%

Education

18%

Retail

17%

Health care and social assistance

14%

Agriculture and mining

Construction

Restaurants and hotels

Transportation, warehousing and utilities

Information

Arts and recreation

Wholesale

Finance, insurance and real estate

Admin, support and management

0.9%

Other services

0.7%

Public administration

0.5%

Professional and technical services

Median earnings per worker

$44,107

U.S. $49,666

Self-employed

9.2%

U.S. 10%

Government workers

19.8%

U.S. 14.5%

Nonprofit workers

5.7%

U.S. 8.8%

Median earnings by type of work

Type of work	38481	U.S.
Management, business, science and arts	$65,300	$74,888
Service	$23,750	$26,804
Sales and office	$29,297	$40,476
Construction and maintenance	$39,063	$49,199
Production and transportation	$45,000	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

13%

High school

45%

Some college

16%

Associate's

10%

Bachelor's

Graduate

High school graduate or higher: 86.6%
Bachelor's degree or higher: 16.1%
Graduate or professional degree: 9.4%
Households with broadband: 78%
Cable, fiber or DSL: 63.3%
No internet access: 20.5%
Without health insurance: 7.9%
Limited-English households: 3.5%

Geography

City (USPS): Saint Joseph
State: Tennessee
County: Lawrence County
Center point: 35.0281° N, 87.4887° W
Land area: 10 sq mi
Water area: under 0.1 sq mi
Time zone: Central Time (UTC-6, UTC-5 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

St. Joseph34% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 38481

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
38469	Loretto, TN	4.7 mi	4,647	$67,566	$188,300
35648	Lexington, AL	7.8 mi	3,128	$79,500	$172,600
35645	Killen, AL	9.3 mi	13,960	$87,958	$221,000
38463	Iron City, TN	9.3 mi	2,644	$58,059	$152,800
35634	Florence, AL	9.9 mi	10,241	$71,452	$266,600
38486	Westpoint, TN	10 mi	1,301	$48,953	$165,600
38457	Five Points, TN	12 mi	567	$53,333	$179,200
38468	Leoma, TN	13 mi	5,545	$61,887	$207,200
35610	Anderson, AL	15 mi	1,744	$98,188	$168,300
38450	Collinwood, TN	16 mi	2,611	$42,887	$107,700
35652	Rogersville, AL	16 mi	9,173	$66,798	$210,200
35631	Florence, AL · PO box	17 mi	—	—	—

Questions about 38481

What city is zip code 38481?

38481 is assigned to Saint Joseph, Tennessee. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 38481 in?

38481 is in Lawrence County, Tennessee.

What is the population of 38481?

About 890 people live in 38481, according to the Census Bureau's American Community Survey.

What time zone is 38481 in?

38481 is in Central Time.

What is the median household income in 38481?

The median household income in 38481 is $49,567.

What zip codes are near 38481?

The closest zip codes to 38481 are 38469, 35648, 35645, 38463, 35634.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 38481, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.