Zip code 38574: Monterey, Tennessee

Q: What city is zip code 38574?

38574 is assigned to Monterey, Tennessee. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 38574 in?

38574 is mostly in Putnam County, but it extends into 3 other counties.

Q: What is the population of 38574?

About 9,079 people live in 38574, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 38574?

The median household income in 38574 is $52,223.

Q: What zip codes are near 38574?

The closest zip codes to 38574 are 38554, 38580, 38578, 38506, 38542.

Residential delivery areaPutnam CountyCentral Time

Population

9,079

Median household income

$52K

U.S. $81K

Median home value

$197K

U.S. $333K

Median rent

$754/mo

U.S. $1,413

Median age

37.8

U.S. 38.9

Land area

169 sq mi

54 people/sq mi

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

About 38574

38574 is a small-town zip code in Monterey, Tennessee (Putnam County), covering 169 sq mi of land. About 9,079 people live here, or 54 per square mile. The median resident is 37.8 years old, compared with 38.9 nationally.

The median household earns $52,223 a year, 35% below the national median of $80,734. 19.1% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $196,800, or 3.8 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 76% of occupied homes are lived in by their owners, and renters pay a median of $754 a month.

15% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 23.5 minutes each way, and 3% of workers work from home. The most common jobs among working residents are in production and manufacturing; healthcare; and construction and repair. 16% of them are self-employed (U.S.: 10%).

How 38574 compares

Sorted from highest to lowest national percentile

Self-employed workers15.7%
92nd
U.S. 10% · TN 9.8%81st of 607 in TN
Healthcare workers12.6%
86th
U.S. 9.7% · TN 9.6%124th of 607 in TN
Poverty rate19.1%
82nd
WeaknessU.S. 12.5% · TN 13.8%157th of 600 in TN
Uninsured rate11.5%
78th
U.S. 8.4% · TN 10%182nd of 607 in TN
Veterans8%
77th
U.S. 6.2% · TN 7.3%246th of 607 in TN
Housing vacancy11.6%
77th
U.S. 10.1% · TN 10.2%302nd of 602 in TN
Residents under 1825.4%
77th
U.S. 22% · TN 22.2%96th of 608 in TN
Income inequality (Gini)0.462
71st
U.S. 0.483 · TN 0.476167th of 600 in TN
Homeownership rate75.6%
68th
U.S. 65.2% · TN 66.9%347th of 600 in TN
Rent-burdened renters55.2%
67th
U.S. 51.1% · TN 48.8%126th of 584 in TN
Residents 65 and older18.4%
63rd
U.S. 17.2% · TN 17.1%339th of 608 in TN
Government workers14.1%
53rd
U.S. 14.5% · TN 13.7%302nd of 607 in TN
Median age37.8
40th
U.S. 38.9 · TN 38.9470th of 608 in TN
Average commute23.5 min
33rd
U.S. 26.4 min · TN 25.7 min446th of 597 in TN
Median home value$196,800
20th
U.S. $332,700 · TN $286,700341st of 590 in TN
Broadband access87.2%
20th
WeaknessU.S. 91% · TN 89.2%280th of 600 in TN
Unemployment rate3.2%
19th
StrengthU.S. 5.2% · TN 4.7%388th of 607 in TN
Foreign-born residents3.1%
19th
U.S. 14.1% · TN 6.1%207th of 608 in TN
Per capita income$28,741
15th
WeaknessU.S. $44,673 · TN $39,437421st of 608 in TN
Population9,079
14th
U.S. 334,922,499 · TN 7,066,383221st of 608 in TN
Median household income$52,223
11th
WeaknessU.S. $80,734 · TN $69,595430th of 590 in TN
Diversity index18.3
11th
U.S. 61.4 · TN 46.4355th of 608 in TN
Bachelor's degree or higher14.7%
9th
WeaknessU.S. 35.7% · TN 31.1%418th of 604 in TN
Median earnings per worker$35,299
9th
WeaknessU.S. $49,666 · TN $45,229509th of 606 in TN
Population density54/sq mi
8th
U.S. 95/sq mi · TN 171/sq mi391st of 608 in TN
Median gross rent$754
5th
U.S. $1,413 · TN $1,189398th of 515 in TN
Tech workers0.1%
3rd
U.S. 3.8% · TN 2.8%457th of 607 in TN
Work from home2.8%
2nd
U.S. 15.1% · TN 12.9%540th of 608 in TN

Measure	38574	Putnam	TN	U.S.	National percentile	Rank in TN
Self-employed workers	15.7%	10.4%	9.8%	10%	92nd	81st of 607
Healthcare workers	12.6%	10%	9.6%	9.7%	86th	124th of 607
Poverty rateWeakness	19.1%	18.4%	13.8%	12.5%	82nd	157th of 600
Uninsured rate	11.5%	10.6%	10%	8.4%	78th	182nd of 607
Veterans	8%	6.4%	7.3%	6.2%	77th	246th of 607
Housing vacancy	11.6%	8%	10.2%	10.1%	77th	302nd of 602
Residents under 18	25.4%	20.9%	22.2%	22%	77th	96th of 608
Income inequality (Gini)	0.462	0.461	0.476	0.483	71st	167th of 600
Homeownership rate	75.6%	61.2%	66.9%	65.2%	68th	347th of 600
Rent-burdened renters	55.2%	49.1%	48.8%	51.1%	67th	126th of 584
Residents 65 and older	18.4%	16.5%	17.1%	17.2%	63rd	339th of 608
Government workers	14.1%	15.6%	13.7%	14.5%	53rd	302nd of 607
Median age	37.8	36	38.9	38.9	40th	470th of 608
Average commute	23.5 min	21.1 min	25.7 min	26.4 min	33rd	446th of 597
Median home value	$196,800	$282,500	$286,700	$332,700	20th	341st of 590
Broadband accessWeakness	87.2%	87.9%	89.2%	91%	20th	280th of 600
Unemployment rateStrength	3.2%	3.7%	4.7%	5.2%	19th	388th of 607
Foreign-born residents	3.1%	5.7%	6.1%	14.1%	19th	207th of 608
Per capita incomeWeakness	$28,741	$31,985	$39,437	$44,673	15th	421st of 608
Population	9,079	82,558	7,066,383	334,922,499	14th	221st of 608
Median household incomeWeakness	$52,223	$58,912	$69,595	$80,734	11th	430th of 590
Diversity index	18.3	26.9	46.4	61.4	11th	355th of 608
Bachelor's degree or higherWeakness	14.7%	29.8%	31.1%	35.7%	9th	418th of 604
Median earnings per workerWeakness	$35,299	$37,132	$45,229	$49,666	9th	509th of 606
Population density	54/sq mi	206/sq mi	171/sq mi	95/sq mi	8th	391st of 608
Median gross rent	$754	$908	$1,189	$1,413	5th	398th of 515
Tech workers	0.1%	2%	2.8%	3.8%	3rd	457th of 607
Work from home	2.8%	10.1%	12.9%	15.1%	2nd	540th of 608

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

22%

5–17

18–24

12%

25–34

35–44

11%

45–54

16%

55–64

14%

65–74

75+

Median age

37.8

Under 18

25.4%

65 and over

18.4%

Race and ethnicity

White90%
Black0.2%
Hispanic9%
Asian0.1%
Native American0.1%
Pacific Islander0%
Other0%
Multiracial0.6%

Diversity index

18.3

U.S. 61.4

Foreign-born

3.1%

U.S. 14.1%

Born in state

54.6%

Language spoken at home (households)

English only

92%

Spanish

Other Indo-European

Asian / Pacific

0.2%

Other

Households

Households: 3,525
Average household size: 2.6
Family households: 73.5%
Married couples: 52.8%
Living alone: 22.8%
Veterans (of adults): 8%
Male / female: 53% / 47%

Income and poverty

Household income distribution

<$25k

23%

$25–50k

19%

$50–75k

25%

$75–100k

17%

$100–150k

$150–200k

$200k+

Median household income

38574

$52,223

Putnam Co.

$58,912

Tennessee

$69,595

United States

$80,734

Per capita income

$28,741

U.S. $44,673

Poverty rate

19.1%

U.S. 12.5%

Households earning $150K+

7.5%

U.S. 23%

Income inequality (Gini)

0.462

U.S. 0.483

Housing

Median home value

38574

$196,800

Putnam Co.

$282,500

Tennessee

$286,700

United States

$332,700

Median gross rent

38574

$754

Putnam Co.

$908

Tennessee

$1,189

United States

$1,413

Types of housing

Single-family

75%

2–4 units

5–19 units

20+ units

0.4%

Mobile home

13%

Boat, RV, van

Housing units: 3,989
Owner-occupied: 75.6%
Vacant: 11.6%
Median year built: 1991
Median rooms: 5.9
Renters paying 30%+ of income: 55.2%
Renters paying 50%+ of income: 17.7%
Home value to income: 3.8× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

83%

Carpooled

12%

Transit

0.2%

Walked

Bicycle

Worked from home

Other

Commute time (one way)

<10 min

18%

10–19

25%

20–29

20%

30–44

27%

45–59

60+

Average commute

23.5 min

U.S. 26.4 min

Unemployment

3.2%

U.S. 5.2%

In labor force

56.8%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Production

22%

Healthcare

13%

Construction and repair

13%

Office and admin

10%

Transportation and moving

Management

Cleaning and personal care

Education

Food service

Sales

Police and fire

Business and finance

Legal and social services

0.9%

Engineering and science

0.6%

Arts, media and sports

0.4%

Computer and math

0.1%

Farming, fishing and forestry

Industries

Manufacturing

20%

Health care and social assistance

16%

Admin, support and management

Other services

Construction

Transportation, warehousing and utilities

Restaurants and hotels

Education

Retail

Finance, insurance and real estate

Public administration

Professional and technical services

Agriculture and mining

Wholesale

Arts and recreation

Information

Median earnings per worker

$35,299

U.S. $49,666

Self-employed

15.7%

U.S. 10%

Government workers

14.1%

U.S. 14.5%

Nonprofit workers

6.5%

U.S. 8.8%

Median earnings by type of work

Type of work	38574	U.S.
Management, business, science and arts	$44,271	$74,888
Service	$14,917	$26,804
Sales and office	$37,896	$40,476
Construction and maintenance	$36,061	$49,199
Production and transportation	$36,823	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

19%

High school

42%

Some college

20%

Associate's

Bachelor's

11%

Graduate

High school graduate or higher: 81.2%
Bachelor's degree or higher: 14.7%
Graduate or professional degree: 3.7%
Households with broadband: 87.2%
Cable, fiber or DSL: 67.2%
No internet access: 9.3%
Without health insurance: 11.5%
Limited-English households: 0%

Geography

City (USPS): Monterey
State: Tennessee
County: Putnam County
Center point: 36.1436° N, 85.2293° W
Land area: 169 sq mi
Water area: 0.6 sq mi
Time zone: Central Time (UTC-6, UTC-5 in summer)
Zip type: Residential delivery area

38574 spans 4 counties

Putnam County49% of land
Overton County33% of land
Cumberland County14% of land
Fentress County5% of land

Cities and towns within this zip

Monterey2% of zip

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

Zip codes near 38574

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
38554	Crawford, TN	8.4 mi	719	$31,771	$161,700
38580	Rickman, TN	9.9 mi	1,609	$70,081	$246,100
38578	Pleasant Hill, TN	11 mi	129	$54,063	$178,100
38506	Cookeville, TN	12 mi	30,100	$70,279	$288,100
38542	Allred, TN	12 mi	0	—	—
38589	Wilder, TN	13 mi	527	$58,750	$210,800
38553	Clarkrange, TN	13 mi	2,521	$63,500	$174,800
38571	Crossville, TN	14 mi	14,678	$58,498	$227,300
38565	Grimsley, TN	15 mi	1,205	$51,635	$196,600
38543	Alpine, TN	15 mi	336	$87,917	$206,300
38502	Cookeville, TN · PO box	15 mi	—	—	—
38503	Cookeville, TN	16 mi	0	—	—

Zip codes like 38574 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 38574

What city is zip code 38574?

38574 is assigned to Monterey, Tennessee. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 38574 in?

38574 is mostly in Putnam County, but it extends into 3 other counties.

What is the population of 38574?

About 9,079 people live in 38574, according to the Census Bureau's American Community Survey.

What time zone is 38574 in?

38574 is in Central Time.

What is the median household income in 38574?

The median household income in 38574 is $52,223.

What zip codes are near 38574?

The closest zip codes to 38574 are 38554, 38580, 38578, 38506, 38542.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 38574, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.