38574 ZIP Code — Monterey, TN

Putnam County, Tennessee

ZIP code 38574 is located in Monterey, Tennessee, within Putnam County. It covers approximately 169.25 square miles and serves a population of 8,602 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 931.

About ZIP code 38574

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $165,200. Owner-occupancy is high at 76%, well above the national average.

Median household income is $49,404. Poverty affects 20% of residents, above the national average. 43% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is production, transportation, and material moving, with manufacturing as the leading industry. The average commute of 24 minutes is near the national average.

College attainment at 11% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (27%) compared to national benchmarks.

Overall, ZIP code 38574 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, high homeownership, and a significant Social Security-dependent population.

8,602

population

169.25

sq mi land

Standard

ZIP type

Central (CT)

timezone

38574 ZIP code map

Cities in ZIP code 38574

Below are the cities the US Postal Service accepts for ZIP code 38574. Using any city not on this list may result in mail delivery delays.

City	Status
Monterey	Preferred

Nearby ZIP codes

38554 Crawford (6.9 mi) 38571 Crossville (10.9 mi) 38580 Rickman (11.1 mi) 38553 Clarkrange (11.3 mi) 38589 Wilder (12.2 mi) 38565 Grimsley (13.7 mi) 38506 Cookeville (14.6 mi) 38543 Alpine (16 mi) 38570 Livingston (17.2 mi) 38505 Cookeville (17.3 mi)

Demographics updated 06/2026

Population
Total population	8,602
Population density	51 / sq mi
State FIPS	47
County FIPS	141

Geography
Land area	169.25 sq mi
Water area	0.55 sq mi
Latitude	36.1418
Longitude	-85.1988
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	53.8%	55.4%	45.7%
$50k – $100k	32.4%	27.5%	30.9%
$100k – $200k	10.5%	13.8%	18.3%
Over $200k	3.2%	3.3%	5.1%

Demographics & statistics

8,602

Population

People per sq mi

40.7

Median age

$49,404

Median household income

$26,192

Per capita income

$165,200

Median home value

$753

Median monthly rent

75.6%

Home ownership

20.0%

Poverty rate

4.4%

Unemployment

3,018

Housing units

11.4%

Bachelor's or higher

Age distribution

Male Female

264

Under 5

216

319

5–9

261

303

10–14

249

338

15–19

277

243

20–24

200

618

25–34

507

461

35–44

378

459

45–54

376

356

55–59

291

404

60–64

332

678

65–74

556

191

75–84

157

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	2,163	25.1%
18 and over	6,439	74.9%
65 and over	1,750	20.3%
Median age	40.7 years

Race & ethnicity

White 90.1%

Hispanic or Latino 3.2%

Two or more races 2.7%

Other race 2%

American Indian / Alaska Native 1.2%

Black or African American 0.7%

Group	Count	%
White	8,007	90.1%
Hispanic or Latino	281	3.2%
Two or more races	241	2.7%
Other race	182	2%
American Indian / Alaska Native	110	1.2%
Black or African American	62	0.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	53.8%	55.4%	45.7%
$50k – $100k	32.4%	27.5%	30.9%
$100k – $200k	10.5%	13.8%	18.3%
Over $200k	3.2%	3.3%	5.1%

Under $10k 7.9%

$10k–$15k 7.7%

$15k–$25k 11.8%

$25k–$35k 7.8%

$35k–$50k 16.1%

$50k–$75k 17.3%

$75k–$100k 14.3%

$100k–$150k 10.2%

$150k–$200k 1.6%

$200k+ 5.2%

Range	% of households
Under $10k	7.9%
$10k–$15k	7.7%
$15k–$25k	11.8%
$25k–$35k	7.8%
$35k–$50k	16.1%
$50k–$75k	17.3%
$75k–$100k	14.3%
$100k–$150k	10.2%
$150k–$200k	1.6%
$200k+	5.2%
Median income	$49,404

Housing

Home values

Under $50k 12.2%

$50k–$100k 16.7%

$100k–$150k 15.8%

$150k–$200k 15.2%

$200k–$300k 16.2%

$300k–$500k 20.7%

$500k–$1M 2.0%

$1M+ 1.1%

Housing overview

Metric	Value
Median home value	$165,200
Median rent / month	$753
Owner occupied	75.6%
Renter occupied	24.4%
Vacant	13.9%
Single-family detached	79.9%
Large apartment buildings	0.3%
Mobile homes	11.5%
Median rooms	5.7
Avg household size (owned)	2.46

Year built

Era	%
2020 or later	0.2%
2010–2019	9.7%
2000–2009	16.3%
1990–1999	26.3%
1980–1989	9.1%
1970–1979	16.4%
1960–1969	7.4%
1950–1959	4.4%
1940–1949	3.0%
1939 or earlier	7.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.2%
1 bedroom	5.0%
2 bedrooms	22.9%
3 bedrooms	54.7%
4 bedrooms	12.3%
5+ bedrooms	4.8%

Vehicles per household

Vehicles	% of households
No vehicle	2.8%
1 vehicle	24.2%
2 vehicles	47.3%
3 or more	25.8%

Heating fuel

Fuel type	%
Utility gas	34.2%
Electricity	43.8%
Propane / LP gas	7.6%
Fuel oil	0.8%
Wood	12.9%
No fuel used	0.1%

Households & families

Household type	Count	%
Married-couple family	1,761	53.5%
Cohabiting couple	276	8.4%
Male householder, no spouse	562	17.1%
Female householder, no spouse	692	21.0%
Households with children under 18	1,063	32.3%
Households with seniors (65+)	1,219	37.0%
Average household size	2.59

Marital status

Status	Male	Female
Never married	32.1%	14.8%
Married	54.8%	58.8%
Separated	0.4%	2.0%
Widowed	3.4%	11.3%
Divorced	9.3%	13.1%

Education

Less than 9th grade 12.7%

Some HS, no diploma 8.4%

HS graduate 43.1%

Some college, no degree 18.0%

Associate's degree 6.5%

Bachelor's degree 8.3%

Graduate / professional 3.2%

Metric	%
HS diploma or higher	78.9%
Bachelor's or higher	11.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	142	7.0%
Kindergarten	113	5.6%
Elementary school	951	47.0%
High school	513	25.4%
College / grad school	303	15.0%

Employment

Industry of employment

Manufacturing 18.2%

Education & healthcare 16.5%

Retail trade 15.7%

Professional & management 13.0%

Other services 8.9%

Arts, food & hospitality 6.1%

Agriculture & mining 5.4%

Construction 4.2%

Transportation & utilities 4.0%

Finance & real estate 3.7%

Wholesale trade 2.2%

Public administration 1.3%

Information 0.7%

Occupation

Category	%
Management, business & arts	18.5%
Service	17.0%
Sales & office	18.1%
Natural resources & construction	11.4%
Production & transportation	35.0%

Employment type

Type	%
Private sector	78.6%
Government	5.6%
Self-employed	15.8%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	82.6%
Carpool	9.9%
Public transit	0.0%
Walk	3.2%
Work from home	4.1%
Other means	0.1%
Avg commute (minutes)	23.5

Poverty

All people 20.0%

Under 18 years 27.8%

18 and over 17.4%

Married-couple families 10.7%

Female-led households 35.6%

Income support

Source	% of households
Social Security	42.8%
Retirement income	29.4%
Supplemental Security	8.8%
Cash public assistance	1.4%
Food stamps / SNAP	13.4%

Health indicators

Condition	%
Obesity	40.2%
High blood pressure	42.7%
High cholesterol	38.9%
Diabetes	15.0%
Heart disease	9.1%
Stroke	4.3%
Asthma	10.9%
Arthritis	33.3%
Kidney disease	3.7%
Pulmonary disease	11.9%
Cancer	7.1%

Behavior / access	%
Smoking	26.6%
Binge drinking	13.2%
No physical activity	31.8%
Less than 7 hrs sleep	35.5%
Depression	27.5%
Fair or poor health	22.0%
Poor mental health	18.1%
Poor physical health	14.7%
No health insurance	20.9%
Visited doctor (checkup)	76.4%
Visited dentist	51.0%
Cholesterol screening	88.9%
Teeth loss	22.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	443	6.9%

Disability	%
Any disability	17.4%
Under 18	7.2%
18–64 years	16.4%
65 and over	33.4%

Health insurance coverage

Type	%
Private insurance	50.7%
Public insurance	47.0%
No insurance	13.0%
Uninsured under 19	7.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	8,122	94.4%
Spanish	148	1.8%
Other Indo-European	147	1.8%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	8,225	95.6%
Born in same state	8,216	95.5%
Born in different state	4,662	54.2%
Foreign born	9	0.1%
Naturalized citizen	377	4.4%
Not a US citizen	112	29.7%

Ancestry

Ancestry	Count	%
Arab	2,208	25.7%
French	1,005	11.7%
Italian	721	8.4%
English	69	0.8%

Ancestry	Count	%
German	47	0.5%
Irish	44	0.5%
Polish	40	0.5%
Dutch	13	0.2%

Technology access

Metric	% of households
Computer access	38.3%
Internet access	90.1%

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

Frequently asked questions about ZIP code 38574

What city is ZIP code 38574 in?

ZIP code 38574 is primarily assigned to Monterey, Tennessee.

What county is ZIP code 38574 in?

ZIP code 38574 falls within Putnam County, Tennessee.

How educated is the population of ZIP code 38574?

11% 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 poverty rate in ZIP code 38574?

20% of residents in ZIP code 38574 live below the poverty line, above the national average.

Does ZIP code 38574 have a large retiree population?

43% of households in ZIP code 38574 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 38574?

The median home value in ZIP code 38574 is $165,200.

What timezone is ZIP code 38574 in?

ZIP code 38574 observes the CST timezone.