38574 ZIP Code
Monterey, Tennessee
December 15, 2025
| ZIP Code: | 38574 |
| City/Town: | Monterey |
| County: | Putnam |
| State: | Tennessee |
| ZIP Type: | Standard |
| Population: | 8,602 |
| Median Household Income: | $49,404 |
| Per Capita Income: | $32,674 |
| Total Housing Units: | 3,822 |
| Median Home Value: | $165,200 |
| Land Area: | 169.3 sq miles
438.4 sq km |
| Water Area: | 0.5 sq miles
1.4 sq km |
| Coordinates: | 36.1436, -85.2293 |
Population Information (38574 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total Population: | 8,602 | -- | -- |
| Male: | 4,727 | 55.0% | 49.6% |
| Female: | 3,875 | 45.0% | 50.4% |
| Median Age: | 40.7 yrs | -- | 38.5 yrs |
| Under 5 years: | 480 | 5.6% | 5.7% |
| 5 to 9 years: | 580 | 6.7% | 6.0% |
| 10 to 14 years: | 552 | 6.4% | 6.5% |
| 15 to 19 years: | 615 | 7.1% | 6.6% |
| 20 to 24 years: | 443 | 5.1% | 6.7% |
| 25 to 34 years: | 1,125 | 13.1% | 13.7% |
| 35 to 44 years: | 839 | 9.8% | 12.9% |
| 45 to 54 years: | 835 | 9.7% | 12.4% |
| 55 to 59 years: | 647 | 7.5% | 6.5% |
| 60 to 64 years: | 736 | 8.6% | 6.4% |
| 65 to 74 years: | 1,234 | 14.3% | 9.7% |
| 75 to 84 years: | 348 | 4.0% | 4.8% |
| 85 years and over: | 168 | 2.0% | 2.0% |
Housing Information (38574 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Median home value: | $165,200 | -- | $281,900 |
| Median rooms: | 5.7 | -- | 5.5 |
| Median rent: | $753 / mo. | -- | $1,268 / mo. |
| Total housing units: | 3,822 | -- | -- |
| Occupied housing units: | 3,291 | 86.1% | 38.0% |
| Vacant housing units: | 531 | 13.9% | 4.6% |
| Housing tenure: | -- | -- | -- |
| Owner-occupied: | 2,487 | 75.6% | 64.8% |
| Renter-occupied: | 804 | 24.4% | 35.2% |
Educational Attainment (38574 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Population 25 years and over: | 5,932 | -- | -- |
| Less than 9th grade: | 752 | 12.7% | 4.7% |
| 9th to 12th grade, no diploma: | 498 | 8.4% | 6.1% |
| High school graduate: | 2,555 | 43.1% | 26.4% |
| Some college, no degree: | 1,066 | 18.0% | 19.7% |
| Associate degree: | 384 | 6.5% | 8.7% |
| Bachelor's degree: | 490 | 8.3% | 20.9% |
| Graduate or professional degree: | 187 | 3.2% | 13.7% |
| Percent high school graduate or higher: | -- | 78.9% | 89.1% |
| Percent bachelor's degree or higher: | -- | 11.4% | 34.3% |
Income Information (38574 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median household income: | $49,404 / yr. | $75,149 / yr. |
| Mean household income: | $66,488 / yr. | $105,833 / yr. |
| Median family income: | $60,625 / yr. | $92,646 / yr. |
| Per capita income: | $32,674 / yr. | $41,261 / yr. |
Employment (38574 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| In labor force: | 3,565 | -- | 63.5% |
| Employed: | 3,407 | 95.6% | 96.4% |
| Unemployed: | 158 | 4.4% | 5.3% |
| Not in labor force: | 3,302 | -- | -- |
| Class of Worker: | -- | -- | -- |
| Private wage and salary: | 2,677 | 78.6% | 79.7% |
| Government workers: | 192 | 5.6% | 14.2% |
| Self-employed: | 538 | 15.8% | 5.9% |
| Unpaid family workers: | 0 | 0.0% | 0.1% |
Race & Ethnicity (38574 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Race (one race): | -- | -- | -- |
| White: | 8,007 | 93.1% | 61.6% |
| Black or African American: | 62 | 0.7% | 12.4% |
| American Indian/Alaska Native: | 110 | 1.3% | 1.1% |
| Asian: | 0 | 0.0% | 6.0% |
| Native Hawaiian/Pacific Islander: | 0 | 0.0% | 0.2% |
| Some other race: | 182 | 2.1% | 8.4% |
| Two or more races: | 241 | 2.8% | 10.2% |
| Hispanic or Latino (any race): | 281 | 3.3% | 18.7% |
| Mexican: | 745 | 8.7% | 11.2% |
| Puerto Rican: | 164 | 1.9% | 1.8% |
| Cuban: | 45 | 0.5% | 0.7% |
| Other Hispanic or Latino: | 32 | 0.4% | 5.0% |
| Not Hispanic or Latino: | 504 | 5.9% | 81.1% |
Income Distribution (38574 zip code)
| Household Income | Households | Percent% | US AvgUS |
|---|---|---|---|
| Less than $10,000: | 260 | 7.9% | 4.9% |
| $10,000 to $14,999: | 255 | 7.7% | 3.8% |
| $15,000 to $24,999: | 389 | 11.8% | 7.0% |
| $25,000 to $34,999: | 258 | 7.8% | 7.4% |
| $35,000 to $49,999: | 529 | 16.1% | 10.7% |
| $50,000 to $74,999: | 569 | 17.3% | 16.1% |
| $75,000 to $99,999: | 471 | 14.3% | 12.8% |
| $100,000 to $149,999: | 336 | 10.2% | 17.1% |
| $150,000 to $199,999: | 53 | 1.6% | 8.8% |
| $200,000 or more: | 171 | 5.2% | 11.4% |
Commute to Work (38574 zip code)
| Commute Method | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Drove alone: | 2,798 | 82.1% | 67.8% |
| Carpooled: | 336 | 9.9% | 8.7% |
| Public transportation: | 0 | 0.0% | 4.2% |
| Walked: | 108 | 3.2% | 2.5% |
| Other means: | 5 | 0.1% | 0.9% |
| Worked from home: | 139 | 4.1% | 13.8% |
| Mean travel time to work: | 23.5 min | -- | 26.7 min |
Industry (38574 zip code)
| Industry Sector | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Agriculture, forestry, fishing, mining: | 185 | 5.4% | 1.6% |
| Construction: | 142 | 4.2% | 6.9% |
| Manufacturing: | 621 | 18.2% | 10.0% |
| Wholesale trade: | 76 | 2.2% | 2.4% |
| Retail trade: | 536 | 15.7% | 11.0% |
| Transportation, warehousing, utilities: | 136 | 4.0% | 5.8% |
| Information: | 25 | 0.7% | 1.9% |
| Finance, insurance, real estate: | 125 | 3.7% | 6.7% |
| Professional, scientific, management: | 444 | 13.0% | 12.1% |
| Education, health care, social services: | 562 | 16.5% | 23.3% |
| Arts, entertainment, food services: | 209 | 6.1% | 9.0% |
| Other services: | 303 | 8.9% | 4.7% |
| Public administration: | 43 | 1.3% | 4.7% |
Poverty Status (38574 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Poverty Rate: | -- | 20.0% | 8.8% |
| All people below poverty level: | -- | -- | -- |
| Under 18 years: | -- | -- | 16.3% |
| 18 to 64 years: | -- | -- | 11.0% |
| 65 years and over: | -- | -- | 10.3% |
Health Insurance (38574 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| With health insurance: | 7,408 | 86.1% | 91.3% |
| Private health insurance: | 4,316 | 50.2% | 67.6% |
| Public health coverage: | 4,001 | 46.5% | 35.9% |
| Without health insurance: | 1,106 | 12.9% | 8.7% |
Benefits & Assistance (38574 zip code)
| Households with: | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Earnings: | 2,104 | 63.9% | 77.4% |
| Social Security income: | 1,410 | 42.8% | 31.0% |
| Retirement income: | 966 | 29.4% | 21.8% |
| Supplemental Security Income (SSI): | 290 | 8.8% | 4.5% |
| Cash public assistance income: | 46 | 1.4% | 1.8% |
| SNAP (food stamps) benefits: | 441 | 13.4% | 11.4% |
Housing Types (38574 zip code)
| Structure Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| 1-unit, detached: | 3,052 | 79.9% | 61.4% |
| 1-unit, attached: | 26 | 0.7% | 6.1% |
| 2 units: | 52 | 1.4% | 3.4% |
| 3 or 4 units: | 84 | 2.2% | 4.3% |
| 5 to 9 units: | 52 | 1.4% | 4.6% |
| 10 to 19 units: | 24 | 0.6% | 4.3% |
| 20 or more units: | 12 | 0.3% | 9.9% |
| Mobile home: | 441 | 11.5% | 5.8% |
| Boat, RV, van, etc.: | 79 | 2.1% | 0.1% |
Year Structure Built (38574 zip code)
| Year Built | Units | Percent% | US AvgUS |
|---|---|---|---|
| Built 2020 or later: | 6 | 0.2% | 0.6% |
| Built 2010 to 2019: | 372 | 9.7% | 8.2% |
| Built 2000 to 2009: | 624 | 16.3% | 13.5% |
| Built 1990 to 1999: | 1,007 | 26.3% | 13.2% |
| Built 1980 to 1989: | 349 | 9.1% | 13.2% |
| Built 1970 to 1979: | 626 | 16.4% | 14.6% |
| Built 1960 to 1969: | 283 | 7.4% | 10.2% |
| Built 1950 to 1959: | 170 | 4.4% | 9.9% |
| Built 1940 to 1949: | 116 | 3.0% | 4.6% |
| Built 1939 or earlier: | 269 | 7.0% | 12.0% |
Bedrooms (38574 zip code)
| Number of Bedrooms | Units | Percent% | US AvgUS |
|---|---|---|---|
| No bedroom (studio): | 9 | 0.2% | 2.4% |
| 1 bedroom: | 192 | 5.0% | 3.0% |
| 2 bedrooms: | 876 | 22.9% | 9.1% |
| 3 bedrooms: | 2,092 | 54.7% | 15.9% |
| 4 bedrooms: | 471 | 12.3% | 18.8% |
| 5 or more bedrooms: | 182 | 4.8% | 17.6% |
Heating Fuel (38574 zip code)
| Fuel Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| Utility gas: | 1,126 | 34.2% | 47.1% |
| Bottled, tank, or LP gas: | 249 | 7.6% | 4.9% |
| Electricity: | 1,441 | 43.8% | 40.2% |
| Fuel oil, kerosene, etc.: | 25 | 0.8% | 4.2% |
| Coal or coke: | 0 | 0.0% | 0.1% |
| Wood: | 423 | 12.9% | 1.5% |
| Solar energy: | 0 | 0.0% | 0.1% |
| Other fuel: | 23 | 0.7% | 0.5% |
| No fuel used: | 4 | 0.1% | 0.2% |
Vehicles Available (38574 zip code)
| Vehicles | Households | Percent% | US AvgUS |
|---|---|---|---|
| No vehicle available: | 92 | 2.8% | 8.3% |
| 1 vehicle available: | 795 | 24.2% | 32.6% |
| 2 vehicles available: | 1,556 | 47.3% | 37.0% |
| 3 or more vehicles available: | 848 | 25.8% | 22.1% |
Home Value Distribution (38574 zip code)
| Value Range | Owner Units | Percent% | US AvgUS |
|---|---|---|---|
| Less than $50,000: | 304 | 12.2% | 5.7% |
| $50,000 to $99,999: | 415 | 16.7% | 7.8% |
| $100,000 to $149,999: | 393 | 15.8% | 9.2% |
| $150,000 to $199,999: | 379 | 15.2% | 10.8% |
| $200,000 to $299,999: | 404 | 16.2% | 19.9% |
| $300,000 to $499,999: | 516 | 20.7% | 24.1% |
| $500,000 to $999,999: | 49 | 2.0% | 17.0% |
| $1,000,000 or more: | 27 | 1.1% | 5.6% |
Housing Costs (38574 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median owner costs (with mortgage): | $1,030 / mo. | $1,828 / mo. |
| Median owner costs (no mortgage): | $362 / mo. | $584 / mo. |
| Median gross rent: | $753 / mo. | $1,268 / mo. |
| Average household size (owner-occupied): | 2.46 | 2.53 |
| Average household size (renter-occupied): | 2.96 | 2.38 |
Households (38574 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total households: | 3,291 | -- | -- |
| Married-couple households: | 1,761 | 53.5% | 47.5% |
| Cohabiting couple households: | 584 | 17.7% | 7.0% |
| Male householder, no spouse: | 562 | 17.1% | 5.4% |
| Female householder, no spouse: | 692 | 21.0% | 12.7% |
| Householder living alone: | 1,063 | 32.3% | 28.6% |
| 65 years and over living alone: | 1,219 | 37.0% | 11.8% |
| Average household size: | 2.59 | -- | 2.53 |
| Average family size: | 3.07 | -- | -- |
Marital Status (38574 zip code)
| Population 15 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 3,873 | -- | -- |
| Never married: | 1,243 | 32.1% | 37.0% |
| Now married: | 2,121 | 54.8% | 49.5% |
| Separated: | 133 | 3.4% | 1.5% |
| Widowed: | 359 | 9.3% | 2.6% |
| Divorced: | 461 | 11.9% | 9.3% |
School Enrollment (38574 zip code)
| Population 3 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Enrolled in school: | 2,022 | -- | -- |
| Nursery school, preschool: | 142 | 7.0% | 5.8% |
| Kindergarten: | 113 | 5.6% | 5.0% |
| Elementary school (grades 1-8): | 951 | 47.0% | 40.5% |
| High school (grades 9-12): | 513 | 25.4% | 21.4% |
| College or graduate school: | 303 | 15.0% | 27.3% |
Veterans & Disability (38574 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Civilian population 18 years and over: | 6,439 | -- | -- |
| Veterans: | 443 | 6.9% | 6.3% |
| Civilian noninstitutionalized population: | 8,514 | -- | -- |
| With a disability: | 1,479 | 17.4% | 13.4% |
| Under 18 with disability: | 156 | 10.5% | 5.8% |
| 18 to 64 with disability: | 766 | 51.8% | 10.4% |
| 65 and over with disability: | 557 | 37.7% | 33.4% |
Mobility (Residence 1 Year Ago) (38574 zip code)
| Population 1 year and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Same house: | 7,544 | 87.7% | 86.9% |
| Different house: | 990 | 11.5% | 13.1% |
| Same county: | 239 | 24.1% | 7.0% |
| Different county: | 746 | 75.4% | 3.2% |
| Different state: | 151 | 15.3% | 2.5% |
| Abroad: | 5 | 0.5% | 0.4% |
Place of Birth (38574 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Native born: | 8,225 | 95.6% | 86.2% |
| Foreign born: | 9 | 0.1% | 13.9% |
| Naturalized citizen: | 377 | 4188.9% | 52.7% |
| Not a citizen: | 377 | 4188.9% | 47.3% |
| Foreign-born by region: | -- | -- | -- |
| Europe: | 377 | 4188.9% | 10.5% |
| Asia: | 20 | 222.2% | 31.3% |
| Africa: | 0 | 0.0% | 5.5% |
| Oceania: | 0 | 0.0% | 0.5% |
| Latin America: | 316 | 3511.1% | 50.0% |
| Northern America: | 41 | 455.6% | 2.2% |
Language Spoken at Home (38574 zip code)
| Population 5 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 8,122 | -- | -- |
| English only: | 7,574 | 93.3% | 78.3% |
| Language other than English: | 548 | 6.7% | 21.5% |
| By language: | -- | -- | -- |
| Spanish: | 420 | 5.2% | 13.3% |
| Other Indo-European languages: | 127 | 1.6% | 3.5% |
| Asian/Pacific Island languages: | 0 | 0.0% | 3.5% |
| Other languages: | 1 | 0.0% | 1.0% |
Computers & Internet (38574 zip code)
| Households | Percent% | US AvgUS | |
|---|---|---|---|
| Households with a computer: | 3,291 | 100.0% | 93.1% |
| Households with broadband internet: | 2,965 | 90.1% | 89.4% |
Monterey, TN38574