ZIP 38573, TN (38573)

Overton County · Population 1,958

Fresh.Data current as of Apr 24, 2026

TN 38573 (ZIP 38573) sits in Overton County. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: High Blood Pressure comes in above the national average at 44.6%. No NCES schools are mapped to this ZIP in the current dataset. 6 colleges and universities serve the area, with median in-state tuition of $13,248. IRS data shows average household income (AGI) of $58,564 per tax return. BLS QCEW reports average annual pay of $46,368 per worker, roughly 29% below the US average. FEMA has issued 30 federal disaster declarations affecting this ZIP since 1969 — a high-frequency exposure profile. Annual precipitation averages 53.5" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 12,599 years of potential life lost per 100,000 (2025) — well above the national county median. USDA's Food Environment Atlas shows a strong food retail environment in this county — only 0.4% of residents are low-access and grocery density is above the national county median. Tennessee has no state income tax, saving the local median household (AGI $58,564) approximately $2,694/year vs the US average effective state tax rate. IRS migration data (2022-2023) shows a net gain of 628 residents (335 households) — the ZIP's primary county is growing. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $57,734, fair market rent of $990 for a two-bedroom, and a typical home value of $276,488, up 6.5% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.

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Demographics

Population & age

Total population
1,958
Median age
46.7

Race & ethnicity

White
98.0%
Black
0.0%
Asian
0.0%
Hispanic / Latino
0.9%
Other / multi-racial
2.0%

Income & housing

Median household income
$57,734
Median home value
$157,100

Education

Bachelor's degree or higher (age 25+)
14.6%

Employment

Unemployment rate
2.0%

Housing

Owner-occupied
673(84.7%)
Renter-occupied
122(15.3%)
Vacant units
242
Built (median)
1986

Commute

Public transit
0(0.0%)
Work from home
0(0.0%)
Avg commute
33.9 min

Economic wellbeing

Below poverty line
138(7.0%)
Uninsured
0(0.0%)

Digital access

Broadband access
614(77.2%)
No broadband
181(22.8%)

Language & nativity

Foreign-born
0(0.0%)
Non-English at home
23(1.3%)

Studio

$770

/month

1 Bed

$780

/month

2 Bed

$990

/month

3 Bed

$1,230

/month

4 Bed

$1,320

/month

HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.

See national housing trends →

Home values

Typical home value

$276,488

Zillow Home Value Index (ZHVI) · as of March 2026

Year-over-year change

+6.5%

vs. March 2025

5-year change

+40.5%

vs. March 2021

Metro area

Cookeville, TN

Metropolitan statistical area

Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.

New housing construction

New housing units permitted

42

Across 42 permitted buildings. Total construction value: $6.4M.

Single-family

42

100% of total units

Multifamily (2+ unit)

0

0% of total units

Single-family value

$6.4M

construction value

Multifamily value

$0

construction value

Aggregated from 2 counties touching this ZIP (2024).

Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.

Income & tax statistics

Tax returns filed

980

Average AGI

$58,564

Avg property tax

$55

EITC participation

19.4%

Income distribution

  • $1 – $25,00032.7% · 320
  • $25,000 – $50,00025.5% · 250
  • $50,000 – $75,00016.3% · 160
  • $75,000 – $100,00011.2% · 110
  • $100,000 – $200,00011.2% · 110
  • $200,000 or more3.1% · 30

Avg mortgage interest

Avg charitable contribution

$463

Avg capital gains

$1,094

Avg total income tax

Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $57.4M across all reported brackets.

Business & employment

Business establishments

14

Total employment

59

Annual payroll

$2.1M

Average annual pay

$35,525

Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.

Employment & wages

Average annual pay

$46,368

Average weekly wage

$892

Total employment

5,672

Total establishments

469

That is roughly 29% below the US national average of $65,470 per worker.

Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.

Unemployment

Unemployment rate

3.4%

That is 0.6 percentage points below the US national unemployment rate of about 4.0%.

Labor force

10,492

Employed

10,131

Unemployed

361

Based on Overton County, TN data (2024).

Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.

Social Vulnerability Index

Overall SVI

41st percentile

Moderate Vulnerability

Based on 5 census tracts, population 1,911

Vulnerability Themes

  • Socioeconomic Status55th percentile
  • Household Characteristics49th percentile
  • Racial & Ethnic Minority Status4th percentile
  • Housing Type & Transportation36th percentile

Households Without Vehicle

51

Persons with Disability

413

Without HS Diploma

235

Without Health Insurance

130

Adults Age 65+

480

The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.

Federal Disaster Declarations

Federally Declared Disasters

30

Date Range

1969–2026

Most Recent Declaration

SEVERE WINTER STORM

Winter Storm — declared February 6, 2026 (DR-4898)

Incident period: January 22, 2026 – January 27, 2026

Top Incident Types

  • Severe Storm14 (47%)
  • Flood4 (13%)
  • Tornado3 (10%)
  • Winter Storm2 (7%)
  • Severe Ice Storm2 (7%)
  • Other5 (17%)

Individual Assistance

5

Direct help to disaster survivors

Households Program

4

Housing & temporary lodging support

Public Assistance

29

Repair of public facilities & roads

Hazard Mitigation

14

Funding to reduce future disaster risk

FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.

Climate

30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.

Avg. temperature

57.4°F

46.1°68.7°

Annual precipitation

53.5"

Annual snowfall

2.3"

Heating · cooling days

4,019.1 · 1,277.1

Annual base 65°F

Nearest station: LIVINGSTON RADIO WLIV, TN US, 10.2 miles from the centroid of ZIP 38573 (ZIP 38573)

Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.

See national environment & climate trends →

Community health profile

Years of potential life lost (per 100K)

12,599

That is roughly 4,399 years per 100,000 above the national county median (~8,200).

Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.

Fair or poor health

23%

of adults self-report

Poor physical health days

5.5

avg per adult per month

Poor mental health days

7.0

avg per adult per month

Uninsured

12.4%

of residents under 65

Primary care MDs

39

per 100,000 residents

Preventable hospital stays

4,350

per 100K Medicare enrollees

Food environment (0-10)

7.8

10 = best access & security

Exercise access

34%

residents near a facility

Flu vaccinated

47%

of Medicare enrollees

Low birth weight (under 2,500 g) accounts for 6.7% of live births in this county — an early-life health input that downstream outcomes track against.

Based on Overton data (2025 CHR release).

Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.

Food access

Food access status

Good food access — most residents near a store

0.4% of Overton County, TN residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.

Grocery stores

0.36

per 1,000 residents

Supercenters & clubs

per 1,000 residents

SNAP-authorized stores

1.15

accepting food benefits

Fast-food restaurants

0.62

per 1,000 residents

Per-1,000 figures show how many of each store type exist in Overton County, TN for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.

Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).

Safety

FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.

Violent crime rate

per 100K residents · 1 reports

Property crime rate

per 100K residents · 8 reports

Homicide

0

Robbery

0

Burglary

4

Vehicle theft

2

County-level data for Clay (2024)

Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.

See national safety & crime trends →

Who’s moving in and out

Net migration (2022-2023)

+628 people

+335 households+$26.4M net AGI flow

Moved in

959households

1,816 people • $55.5M AGI

Moved out

624households

1,188 people • $29.1M AGI

Where new residents came from

  1. Putnam County, TN256 households
  2. Pickett County, TN24 households

Where departing residents went

  1. Putnam County, TN198 households
  2. Jackson County, TN26 households
  3. Clay County, TN20 households

Incoming households reported an average AGI of $57,861 versus departing households' $46,628.

Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.

Taxes & benefits in Tennessee

State-level rules that apply to every resident of ZIP 38573. Numbers reflect the most recent published year per source.

Tax rates

Income tax

None

No state income tax

Sales tax (combined)

9.61%

State 7.00% · avg local 2.61%

Property tax (effective)

0.44%

Median $1,743/year

Tax burden rank

2 of 50

6.90% of personal income

For ZIP 38573: A household at this ZIP's median AGI of $58,564 keeps approximately $2,694 more annually than residents of the typical income-tax state. Applied to this ZIP's typical home value of $276,488, that works out to roughly $1,214/year in property tax.

Paid family leave

Program

Voluntary (private insurance framework)

Voluntary (private insurance framework)

Safety net

SNAP eligibility

130% FPL

Federal 130% FPL gross income limit. Asset limit $3,000.

Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).

Other ZIPs near 38573

Nearby ZIPs by distance

38549 (Byrdstown, 6.3 mi) · 38541 (6.9 mi) · 38570 (Livingston, 9.9 mi) · 38543 (10.7 mi) · 38542 (12.3 mi) · 38568 (Hilham, 14.4 mi)

Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.

Data sources used on this page

All data on this page is sourced from federal government datasets · Not AI-generated · Methodology

Health profile

Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.

Colleges & universities nearby

Colleges in this area

6

Median in-state tuition

$13,248

Median earnings (10 yr)

$34,003

  • Tennessee Technological University

    Cookeville, TN · 38505

    4-Year
    In-state tuition
    $11,376
    Out-of-state tuition
    $15,576
    Acceptance rate
    76.1%
    Graduation rate
    56.0%
    Median earnings (10 yr)
    $48,501
    Median student debt
    $15,650
  • In-state tuition
    Out-of-state tuition
    Acceptance rate
    Graduation rate
    82.7%
    Median earnings (10 yr)
    $35,551
    Median student debt
  • In-state tuition
    Out-of-state tuition
    Acceptance rate
    Graduation rate
    75.9%
    Median earnings (10 yr)
    $33,497
    Median student debt
  • Fortis Institute-Cookeville

    Cookeville, TN · 38501

    2-Year
    In-state tuition
    $15,120
    Out-of-state tuition
    $15,120
    Acceptance rate
    Graduation rate
    38.9%
    Median earnings (10 yr)
    $34,509
    Median student debt
    $13,000
  • Genesis Career College-Cookeville

    Cookeville, TN · 38501

    Certificate
    In-state tuition
    Out-of-state tuition
    Acceptance rate
    Graduation rate
    49.4%
    Median earnings (10 yr)
    $22,652
    Median student debt
    $6,343
  • Certificate
    In-state tuition
    Out-of-state tuition
    Acceptance rate
    Graduation rate
    72.9%
    Median earnings (10 yr)
    $23,696
    Median student debt

Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.

What these numbers say together

TN 38573 (ZIP 38573) sits in Overton County. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: High Blood Pressure comes in above the national average at 44.6%. No NCES schools are mapped to this ZIP in the current dataset. 6 colleges and universities serve the area, with median in-state tuition of $13,248. IRS data shows average household income (AGI) of $58,564 per tax return. BLS QCEW reports average annual pay of $46,368 per worker, roughly 29% below the US average. FEMA has issued 30 federal disaster declarations affecting this ZIP since 1969 — a high-frequency exposure profile. Annual precipitation averages 53.5" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 12,599 years of potential life lost per 100,000 (2025) — well above the national county median. USDA's Food Environment Atlas shows a strong food retail environment in this county — only 0.4% of residents are low-access and grocery density is above the national county median. Tennessee has no state income tax, saving the local median household (AGI $58,564) approximately $2,694/year vs the US average effective state tax rate. IRS migration data (2022-2023) shows a net gain of 628 residents (335 households) — the ZIP's primary county is growing. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $57,734, fair market rent of $990 for a two-bedroom, and a typical home value of $276,488, up 6.5% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.

The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.

One concrete reading worth keeping: Depression prevalence sits higher the national rate at 29.9%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.

Frequently Asked Questions — ZIP 38573

What is the obesity rate in ZIP 38573?

40.9%, which is 7.9 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).

What is the depression rate in ZIP 38573?

29.9%, which is 7.9 percentage points above the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).

What is the high blood pressure rate in ZIP 38573?

44.6%, which is 12.6 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).

What is the population of ZIP 38573?

1,958 people live in ZIP 38573, with a median age of 46.7 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).

What is the median household income in ZIP 38573?

$57,734 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).

Is ZIP 38573 mostly renters or homeowners?

In ZIP 38573, 84.7% of occupied housing units are owner-occupied and 15.3% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).

How do people commute in ZIP 38573?

In ZIP 38573, 0.0% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).

What is the poverty rate in ZIP 38573?

7.0% of the population in ZIP 38573 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).

What percentage of households in ZIP 38573 have broadband internet?

77.2% of households in ZIP 38573 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).

What is the typical home value in ZIP 38573?

The typical home value in ZIP 38573 is $276,488, up 6.5% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).

Are home values rising or falling in ZIP 38573?

Home values are up 6.5% over the past year and up 40.5% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).

What is the average household income in ZIP 38573?

The average Adjusted Gross Income reported on tax returns from ZIP 38573 (TN 38573) is $58,564 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).

How much do homeowners pay in property tax in ZIP 38573?

Tax returns from ZIP 38573 report an average of $55 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).

What percentage of residents in ZIP 38573 earn over $200,000?

3.1% of tax returns from ZIP 38573 (TN 38573) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).

How many businesses are in ZIP 38573?

As of 2022, 14 business establishments operated in ZIP 38573 employing 59 workers (Census ZIP Business Patterns, retrieved May 3, 2026).

What is the average salary in ZIP 38573?

The average annual pay across all local establishments in ZIP 38573 is $35,525, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).

How vulnerable is ZIP 38573 to disasters and public health emergencies?

According to the CDC Social Vulnerability Index (2022), ZIP 38573 ranks in the 41th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).

What is the biggest vulnerability factor in ZIP 38573?

Socioeconomic Status is the highest-scoring CDC SVI theme for ZIP 38573, ranking in the 55th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).

How many federally declared disasters has ZIP 38573 experienced?

FEMA has recorded 30 federal disaster declarations affecting ZIP 38573 between 1969–2026 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).

What kinds of disasters most often hit ZIP 38573?

Severe Storm is the most common federally declared disaster type affecting ZIP 38573, accounting for 14 of 30 declarations (47%, FEMA OpenFEMA, retrieved May 3, 2026).

What was the most recent disaster declared for ZIP 38573?

The most recent FEMA disaster declaration affecting ZIP 38573 was "SEVERE WINTER STORM" — a winter storm declared in 2026 (DR-4898) (FEMA OpenFEMA, retrieved May 3, 2026).

What colleges are near ZIP 38573?

6 colleges and universities are listed near ZIP 38573 by the U.S. Department of Education College Scorecard, including Tennessee Technological University, Tennessee College Of Applied Technology-Upper Cumberland, and Tennessee College Of Applied Technology-Livingston (retrieved May 2, 2026).

What is the average tuition at colleges near ZIP 38573?

Median in-state tuition across 6 nearby institutions is $13,248 (College Scorecard, retrieved May 2, 2026).

What do graduates earn from colleges near ZIP 38573?

Graduates of nearby colleges earn a median of $34,003 ten years after entry (College Scorecard, retrieved May 2, 2026).

What is the climate like in ZIP 38573?

ZIP 38573 has an average annual temperature of 57.4°F and 53.5" of annual precipitation based on the LIVINGSTON RADIO WLIV, TN US weather station 10.2 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).

What taxes apply in ZIP 38573?

Tennessee has no state income tax. For a household earning the local median AGI of $58,564, this saves approximately $2,694 per year compared to the national average effective state tax rate. The combined state and local sales tax rate is 9.61% (Tax Foundation 2025).

Does Tennessee have paid family leave?

Tennessee runs an active paid family leave program offering up to — weeks of paid leave per year (Bipartisan Policy Center 2026).

What data is available for ZIP 38573?

This page covers health outcomes from CDC PLACES (33 metrics), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, colleges from the U.S. Department of Education College Scorecard (6 institutions), income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (30 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.

How current is this data?

Health data retrieved Apr 24, 2026 from CDC PLACES. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (30 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.

Other ZIPs near 38573

Nearby ZIPs by distance

38549 (Byrdstown, 6.3 mi) · 38541 (6.9 mi) · 38570 (Livingston, 9.9 mi) · 38543 (10.7 mi) · 38542 (12.3 mi) · 38568 (Hilham, 14.4 mi)

Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.

More Info topics

Have a specific question about ZIP 38573?

Ask Mubboo — launching Q4 2026.

By Mubboo Editorial Team

Last reviewed Apr 24, 2026


Data sources

This page observes HIPAA and FERPA by surfacing only aggregate, de-identified federal datasets. Individual records are never displayed.

Mubboo may earn commissions from partner links. This does not affect our editorial independence.

Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.