38551 ZIP Code — Celina, TN

Clay County, Tennessee

ZIP code 38551 is located in Celina, Tennessee, within Clay County. It covers approximately 89.34 square miles and serves a population of 4,141 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 931.

About ZIP code 38551

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $122,300. Owner-occupancy sits near the national average at 71%.

Median household income is $35,334. Poverty affects 26% of residents, above the national average. SNAP benefit usage at 23% of households reflects economic stress in the area. 51% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 22 minutes is near the national average.

College attainment at 8% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of diabetes (17%), smoking (28%) compared to national benchmarks.

Notable community characteristics include disability rates above the national average at 24%.

Overall, ZIP code 38551 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a significant Social Security-dependent population, and elevated reliance on food assistance.

4,141

population

89.34

sq mi land

Standard

ZIP type

Central (CT)

timezone

38551 ZIP code map

Cities in ZIP code 38551

Below are the cities the US Postal Service accepts for ZIP code 38551. Using any city not on this list may result in mail delivery delays.

City	Status
Celina	Preferred

Nearby ZIP codes

38541 Allons (5.9 mi) 38568 Hilham (8.5 mi) 38575 Moss (10.6 mi) 38573 Monroe (14 mi) 38570 Livingston (14.1 mi) 38588 Whitleyville (14.8 mi) 38549 Byrdstown (16.3 mi) 42717 Burkesville (17.2 mi) 38562 Gainesboro (17.3 mi) 42167 Tompkinsville (17.5 mi) 37150 Red Boiling Springs (19.7 mi) 38580 Rickman (19.9 mi)

Demographics updated 06/2026

Population
Total population	4,141
Population density	46 / sq mi
State FIPS	47
County FIPS	027

Geography
Land area	89.34 sq mi
Water area	9.98 sq mi
Latitude	36.5395
Longitude	-85.4585
Timezone	Central (CT)
Area code	931

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	68.6%	65.7%	45.7%
$50k – $100k	25.1%	27.6%	30.9%
$100k – $200k	5.8%	6.2%	18.3%
Over $200k	0.6%	0.5%	5.1%

Demographics & statistics

4,141

Population

People per sq mi

43.7

Median age

$35,334

Median household income

$18,393

Per capita income

$122,300

Median home value

$530

Median monthly rent

71.4%

Home ownership

26.0%

Poverty rate

7.9%

Unemployment

1,852

Housing units

8.0%

Bachelor's or higher

Age distribution

Male Female

Under 5

101

5–9

203

10–14

233

150

15–19

172

20–24

157

25–34

180

289

35–44

331

229

45–54

262

120

55–59

137

125

60–64

143

248

65–74

284

171

75–84

195

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	963	23.3%
18 and over	3,178	76.7%
65 and over	966	23.3%
Median age	43.7 years

Race & ethnicity

White 93.9%

Two or more races 3.1%

Black or African American 1.3%

Asian 1%

American Indian / Alaska Native 0.7%

Group	Count	%
White	3,889	93.9%
Two or more races	127	3.1%
Black or African American	53	1.3%
Asian	43	1%
American Indian / Alaska Native	29	0.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	68.6%	65.7%	45.7%
$50k – $100k	25.1%	27.6%	30.9%
$100k – $200k	5.8%	6.2%	18.3%
Over $200k	0.6%	0.5%	5.1%

Under $10k 12.4%

$10k–$15k 5.3%

$15k–$25k 15.7%

$25k–$35k 15.7%

$35k–$50k 16.1%

$50k–$75k 15.9%

$75k–$100k 9.3%

$100k–$150k 8.9%

$150k–$200k 0.2%

$200k+ 0.5%

Range	% of households
Under $10k	12.4%
$10k–$15k	5.3%
$15k–$25k	15.7%
$25k–$35k	15.7%
$35k–$50k	16.1%
$50k–$75k	15.9%
$75k–$100k	9.3%
$100k–$150k	8.9%
$150k–$200k	0.2%
$200k+	0.5%
Median income	$35,334

Housing

Home values

Under $50k 16.7%

$50k–$100k 19.9%

$100k–$150k 30.1%

$150k–$200k 9.6%

$200k–$300k 11.5%

$300k–$500k 6.1%

$500k–$1M 4.0%

$1M+ 2.2%

Housing overview

Metric	Value
Median home value	$122,300
Median rent / month	$530
Owner occupied	71.4%
Renter occupied	28.6%
Vacant	28.5%
Single-family detached	59.3%
Large apartment buildings	0.3%
Mobile homes	32.3%
Median rooms	5.5
Avg household size (owned)	2.31

Year built

Era	%
2020 or later	0.9%
2010–2019	4.0%
2000–2009	15.3%
1990–1999	19.1%
1980–1989	12.2%
1970–1979	16.1%
1960–1969	16.9%
1950–1959	6.0%
1940–1949	2.8%
1939 or earlier	6.8%

Bedrooms

Size	% of units
No bedroom (studio)	3.1%
1 bedroom	3.3%
2 bedrooms	28.2%
3 bedrooms	54.9%
4 bedrooms	6.9%
5+ bedrooms	3.6%

Vehicles per household

Vehicles	% of households
No vehicle	8.6%
1 vehicle	25.2%
2 vehicles	38.4%
3 or more	27.7%

Heating fuel

Fuel type	%
Utility gas	7.7%
Electricity	82.7%
Propane / LP gas	4.1%
Wood	5.5%

Households & families

Household type	Count	%
Married-couple family	830	49.8%
Cohabiting couple	87	5.2%
Male householder, no spouse	310	18.6%
Female householder, no spouse	438	26.3%
Households with children under 18	497	29.8%
Households with seniors (65+)	661	39.7%
Average household size	2.42

Marital status

Status	Male	Female
Never married	22.6%	20.4%
Married	55.5%	51.6%
Separated	4.2%	0.3%
Widowed	4.3%	14.5%
Divorced	13.5%	13.1%

Education

Less than 9th grade 8.4%

Some HS, no diploma 10.5%

HS graduate 49.0%

Some college, no degree 14.8%

Associate's degree 9.3%

Bachelor's degree 4.4%

Graduate / professional 3.6%

Metric	%
HS diploma or higher	81.1%
Bachelor's or higher	8.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	25	2.6%
Kindergarten	32	3.3%
Elementary school	475	49.2%
High school	332	34.4%
College / grad school	102	10.6%

Employment

Industry of employment

Education & healthcare 22.6%

Manufacturing 21.3%

Construction 11.9%

Agriculture & mining 9.4%

Other services 7.5%

Professional & management 6.3%

Finance & real estate 5.4%

Retail trade 4.9%

Public administration 4.4%

Arts, food & hospitality 3.8%

Wholesale trade 1.3%

Transportation & utilities 1.2%

Occupation

Category	%
Management, business & arts	29.1%
Service	13.6%
Sales & office	27.9%
Natural resources & construction	19.7%
Production & transportation	9.7%

Employment type

Type	%
Private sector	68.6%
Government	16.7%
Self-employed	14.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	88.7%
Carpool	1.6%
Public transit	0.2%
Walk	1.1%
Work from home	3.5%
Other means	4.8%
Avg commute (minutes)	22.4

Poverty

All people 26.0%

Under 18 years 23.8%

18 and over 26.7%

Married-couple families 20.2%

Female-led households 9.1%

Income support

Source	% of households
Social Security	51.2%
Retirement income	21.9%
Supplemental Security	10.0%
Cash public assistance	3.7%
Food stamps / SNAP	22.7%

Health indicators

Condition	%
Obesity	41.2%
High blood pressure	46.6%
High cholesterol	40.8%
Diabetes	17.2%
Heart disease	11.0%
Stroke	5.3%
Asthma	11.3%
Arthritis	37.9%
Kidney disease	4.4%
Pulmonary disease	14.2%
Cancer	8.1%

Behavior / access	%
Smoking	28.4%
Binge drinking	12.0%
No physical activity	33.7%
Less than 7 hrs sleep	35.7%
Depression	27.9%
Fair or poor health	25.0%
Poor mental health	18.0%
Poor physical health	16.6%
No health insurance	19.3%
Visited doctor (checkup)	77.1%
Visited dentist	47.1%
Cholesterol screening	90.0%
Teeth loss	25.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	191	6.0%

Disability	%
Any disability	24.2%
Under 18	7.8%
18–64 years	21.1%
65 and over	49.0%

Health insurance coverage

Type	%
Private insurance	51.6%
Public insurance	60.5%
No insurance	7.8%
Uninsured under 19	2.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,951	95.4%
Spanish	32	0.8%
Other Indo-European	28	0.7%
Asian & Pacific Islander	0	0.0%
Other languages	4	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,029	97.3%
Born in same state	4,017	97.0%
Born in different state	2,478	59.8%
Foreign born	12	0.3%
Naturalized citizen	112	2.7%
Not a US citizen	89	79.5%

Ancestry

Ancestry	Count	%
Arab	1,187	28.7%
Italian	361	8.7%

Ancestry	Count	%
French	213	5.1%
Polish	14	0.3%

Technology access

Metric	% of households
Computer access	40.2%
Internet access	87.5%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 38551

What city is ZIP code 38551 in?

ZIP code 38551 is primarily assigned to Celina, Tennessee.

What county is ZIP code 38551 in?

ZIP code 38551 falls within Clay County, Tennessee.

What is the poverty rate in ZIP code 38551?

26% of residents in ZIP code 38551 live below the poverty line, above the national average.

Does ZIP code 38551 have a large retiree population?

51% of households in ZIP code 38551 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 38551?

8% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What is the typical home value in ZIP code 38551?

The median home value in ZIP code 38551 is $122,300.

What timezone is ZIP code 38551 in?

ZIP code 38551 observes the CST timezone.