Zip code 38581: Rock Island, Tennessee

Q: What city is zip code 38581?

38581 is assigned to Rock Island, Tennessee. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 38581 in?

38581 is mostly in Warren County, but it extends into 2 other counties.

Q: What is the population of 38581?

About 4,079 people live in 38581, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 38581?

The median household income in 38581 is $55,985.

Q: What zip codes are near 38581?

The closest zip codes to 38581 are 38550, 38579, 38559, 38587, 37111.

Residential delivery areaWarren CountyCentral Time

Population

4,079

Median household income

$56K

U.S. $81K

Median home value

$183K

U.S. $333K

Median rent

$928/mo

U.S. $1,413

Median age

53.1

U.S. 38.9

Land area

98 sq mi

42 people/sq mi

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

About 38581

38581 is a rural zip code in Rock Island, Tennessee (Warren County), covering 98 sq mi of land. About 4,079 people live here, or 42 per square mile. The median resident is 53.1 years old, compared with 38.9 nationally.

The median household earns $55,985 a year, 31% below the national median of $80,734. 16% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $182,500, or 3.3 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 89% of occupied homes are lived in by their owners, and renters pay a median of $928 a month.

15% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 33.5 minutes each way, and 13% of workers work from home. The most common jobs among working residents are in production and manufacturing; construction and repair; and healthcare. 19% of them are self-employed (U.S.: 10%).

How 38581 compares

Sorted from highest to lowest national percentile

Median age53.1
97th
U.S. 38.9 · TN 38.950th of 608 in TN
Self-employed workers19.3%
97th
U.S. 10% · TN 9.8%45th of 607 in TN
Homeownership rate88.6%
94th
StrengthU.S. 65.2% · TN 66.9%90th of 600 in TN
Veterans11.9%
94th
U.S. 6.2% · TN 7.3%58th of 607 in TN
Residents 65 and older26.1%
93rd
U.S. 17.2% · TN 17.1%82nd of 608 in TN
Average commute33.5 min
88th
WeaknessU.S. 26.4 min · TN 25.7 min127th of 597 in TN
Uninsured rate13.9%
86th
WeaknessU.S. 8.4% · TN 10%108th of 607 in TN
Healthcare workers12.2%
83rd
U.S. 9.7% · TN 9.6%143rd of 607 in TN
Housing vacancy11.6%
77th
U.S. 10.1% · TN 10.2%303rd of 602 in TN
Government workers18%
76th
U.S. 14.5% · TN 13.7%143rd of 607 in TN
Poverty rate16%
73rd
U.S. 12.5% · TN 13.8%246th of 600 in TN
Work from home12.5%
49th
U.S. 15.1% · TN 12.9%174th of 608 in TN
Income inequality (Gini)0.428
43rd
U.S. 0.483 · TN 0.476322nd of 600 in TN
Per capita income$33,078
28th
U.S. $44,673 · TN $39,437292nd of 608 in TN
Median earnings per worker$41,315
26th
U.S. $49,666 · TN $45,229341st of 606 in TN
Rent-burdened renters43.8%
25th
U.S. 51.1% · TN 48.8%295th of 584 in TN
Unemployment rate3.4%
23rd
U.S. 5.2% · TN 4.7%367th of 607 in TN
Tech workers1.5%
23rd
U.S. 3.8% · TN 2.8%284th of 607 in TN
Median home value$182,500
17th
U.S. $332,700 · TN $286,700373rd of 590 in TN
Median gross rent$928
16th
U.S. $1,413 · TN $1,189244th of 515 in TN
Median household income$55,985
15th
WeaknessU.S. $80,734 · TN $69,595376th of 590 in TN
Foreign-born residents1.8%
11th
U.S. 14.1% · TN 6.1%310th of 608 in TN
Bachelor's degree or higher15%
10th
WeaknessU.S. 35.7% · TN 31.1%408th of 604 in TN
Population4,079
7th
U.S. 334,922,499 · TN 7,066,383332nd of 608 in TN
Diversity index14.2
7th
U.S. 61.4 · TN 46.4428th of 608 in TN
Residents under 1814.6%
7th
U.S. 22% · TN 22.2%520th of 608 in TN
Population density42/sq mi
6th
U.S. 95/sq mi · TN 171/sq mi445th of 608 in TN
Broadband access81.8%
6th
WeaknessU.S. 91% · TN 89.2%446th of 600 in TN

Measure	38581	Warren	TN	U.S.	National percentile	Rank in TN
Median age	53.1	39.8	38.9	38.9	97th	50th of 608
Self-employed workers	19.3%	10.8%	9.8%	10%	97th	45th of 607
Homeownership rateStrength	88.6%	72.4%	66.9%	65.2%	94th	90th of 600
Veterans	11.9%	7.4%	7.3%	6.2%	94th	58th of 607
Residents 65 and older	26.1%	17.9%	17.1%	17.2%	93rd	82nd of 608
Average commuteWeakness	33.5 min	26.9 min	25.7 min	26.4 min	88th	127th of 597
Uninsured rateWeakness	13.9%	12%	10%	8.4%	86th	108th of 607
Healthcare workers	12.2%	9.1%	9.6%	9.7%	83rd	143rd of 607
Housing vacancy	11.6%	12.6%	10.2%	10.1%	77th	303rd of 602
Government workers	18%	14.4%	13.7%	14.5%	76th	143rd of 607
Poverty rate	16%	15.7%	13.8%	12.5%	73rd	246th of 600
Work from home	12.5%	6.4%	12.9%	15.1%	49th	174th of 608
Income inequality (Gini)	0.428	0.458	0.476	0.483	43rd	322nd of 600
Per capita income	$33,078	$29,524	$39,437	$44,673	28th	292nd of 608
Median earnings per worker	$41,315	$39,134	$45,229	$49,666	26th	341st of 606
Rent-burdened renters	43.8%	44.9%	48.8%	51.1%	25th	295th of 584
Unemployment rate	3.4%	5.9%	4.7%	5.2%	23rd	367th of 607
Tech workers	1.5%	1%	2.8%	3.8%	23rd	284th of 607
Median home value	$182,500	$192,900	$286,700	$332,700	17th	373rd of 590
Median gross rent	$928	$827	$1,189	$1,413	16th	244th of 515
Median household incomeWeakness	$55,985	$55,487	$69,595	$80,734	15th	376th of 590
Foreign-born residents	1.8%	3.6%	6.1%	14.1%	11th	310th of 608
Bachelor's degree or higherWeakness	15%	14.1%	31.1%	35.7%	10th	408th of 604
Population	4,079	42,166	7,066,383	334,922,499	7th	332nd of 608
Diversity index	14.2	29.4	46.4	61.4	7th	428th of 608
Residents under 18	14.6%	23.3%	22.2%	22%	7th	520th of 608
Population density	42/sq mi	98/sq mi	171/sq mi	95/sq mi	6th	445th of 608
Broadband accessWeakness	81.8%	86.5%	89.2%	91%	6th	446th of 600

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

11%

5–17

18–24

25–34

14%

35–44

12%

45–54

21%

55–64

13%

65–74

13%

75+

Median age

53.1

Under 18

14.6%

65 and over

26.1%

Race and ethnicity

White92%
Black1%
Hispanic4%
Asian0.2%
Native American0%
Pacific Islander2%
Other0%
Multiracial0.5%

Diversity index

14.2

U.S. 61.4

Foreign-born

1.8%

U.S. 14.1%

Born in state

72.2%

Language spoken at home (households)

English only

93%

Spanish

Other Indo-European

Asian / Pacific

Other

0.4%

Households

Households: 1,784
Average household size: 2.3
Family households: 61.8%
Married couples: 48.6%
Living alone: 33.4%
Veterans (of adults): 11.9%
Male / female: 52% / 48%

Income and poverty

Household income distribution

<$25k

16%

$25–50k

30%

$50–75k

20%

$75–100k

10%

$100–150k

14%

$150–200k

$200k+

Median household income

38581

$55,985

Warren Co.

$55,487

Tennessee

$69,595

United States

$80,734

Per capita income

$33,078

U.S. $44,673

Poverty rate

16%

U.S. 12.5%

Households earning $150K+

9.7%

U.S. 23%

Income inequality (Gini)

0.428

U.S. 0.483

Housing

Median home value

38581

$182,500

Warren Co.

$192,900

Tennessee

$286,700

United States

$332,700

Median gross rent

38581

$928

Warren Co.

$827

Tennessee

$1,189

United States

$1,413

Types of housing

Single-family

78%

2–4 units

0.4%

5–19 units

20+ units

Mobile home

21%

Boat, RV, van

Housing units: 2,018
Owner-occupied: 88.6%
Vacant: 11.6%
Median year built: 1978
Median rooms: 6
Renters paying 30%+ of income: 43.8%
Renters paying 50%+ of income: 16.9%
Home value to income: 3.3× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

73%

Carpooled

12%

Transit

Walked

0.7%

Bicycle

Worked from home

13%

Other

Commute time (one way)

<10 min

10–19

21%

20–29

27%

30–44

24%

45–59

60+

14%

Average commute

33.5 min

U.S. 26.4 min

Unemployment

3.4%

U.S. 5.2%

In labor force

50.2%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Production

15%

Construction and repair

15%

Healthcare

12%

Transportation and moving

10%

Cleaning and personal care

Business and finance

Office and admin

Education

Management

Sales

Farming, fishing and forestry

Food service

Legal and social services

Computer and math

Police and fire

Engineering and science

Arts, media and sports

Industries

Manufacturing

17%

Health care and social assistance

14%

Construction

12%

Education

10%

Admin, support and management

Other services

Agriculture and mining

Transportation, warehousing and utilities

Retail

Finance, insurance and real estate

Professional and technical services

Restaurants and hotels

Public administration

Information

Wholesale

0.9%

Arts and recreation

Median earnings per worker

$41,315

U.S. $49,666

Self-employed

19.3%

U.S. 10%

Government workers

18%

U.S. 14.5%

Nonprofit workers

8.1%

U.S. 8.8%

Median earnings by type of work

Type of work	38581	U.S.
Management, business, science and arts	$47,250	$74,888
Service	$25,823	$26,804
Sales and office	$38,000	$40,476
Construction and maintenance	$55,139	$49,199
Production and transportation	$33,158	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

13%

High school

49%

Some college

17%

Associate's

Bachelor's

11%

Graduate

High school graduate or higher: 86.5%
Bachelor's degree or higher: 15%
Graduate or professional degree: 4.5%
Households with broadband: 81.8%
Cable, fiber or DSL: 71.8%
No internet access: 17.2%
Without health insurance: 13.9%
Limited-English households: 0.9%

Geography

City (USPS): Rock Island
State: Tennessee
County: Warren County
Center point: 35.7410° N, 85.6208° W
Land area: 98 sq mi
Water area: 1.1 sq mi
Time zone: Central Time (UTC-6, UTC-5 in summer)
Zip type: Residential delivery area

38581 spans 3 counties

Warren County53% of land
Van Buren County45% of land
DeKalb County1% of land

Zip codes near 38581

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
38550	Campaign, TN	2.1 mi	17	—	—
38579	Quebeck, TN	7.7 mi	1,475	$51,940	$229,100
38559	Doyle, TN	7.9 mi	1,551	$43,961	$158,200
38587	Walling, TN	8.6 mi	1,446	$51,500	$249,600
37111	McMinnville, TN · PO box	9.3 mi	—	—	—
37110	McMinnville, TN	9.5 mi	34,296	$52,932	$198,000
38585	Spencer, TN	12 mi	4,084	$48,015	$152,700
37378	Smartt, TN · PO box	14 mi	—	—	—
37166	Smithville, TN	15 mi	15,731	$52,797	$224,300
38583	Sparta, TN	18 mi	25,584	$54,644	$207,800
37394	Viola, TN	19 mi	114	$48,523	$267,500
37357	Morrison, TN	20 mi	6,210	$59,268	$168,400

Zip codes like 38581 elsewhere

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

Questions about 38581

What city is zip code 38581?

38581 is assigned to Rock Island, Tennessee. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 38581 in?

38581 is mostly in Warren County, but it extends into 2 other counties.

What is the population of 38581?

About 4,079 people live in 38581, according to the Census Bureau's American Community Survey.

What time zone is 38581 in?

38581 is in Central Time.

What is the median household income in 38581?

The median household income in 38581 is $55,985.

What zip codes are near 38581?

The closest zip codes to 38581 are 38550, 38579, 38559, 38587, 37111.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 38581, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.