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Tennessee ZIP Codes
Madison County
Beech Bluff, TN
38313
38313 ZIP Code — Beech Bluff, TN
Madison County, Tennessee
ZIP code 38313 is located in
Beech Bluff ,
Tennessee ,
within Madison County .
It covers approximately 75.58 square miles and serves a population of
3,710 residents.
This is a standard ZIP code in the Central (CT) timezone,
served by area code 731 .
About ZIP code 38313
The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $168,200. Owner-occupancy is high at 95%, well above the national average.
Median household income is $76,671. 38% 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 26 minutes is near the national average.
Educational attainment is near the national average, with 21% of residents holding a bachelor's degree or higher.
Health indicators show elevated rates of smoking (23%) compared to national benchmarks.
Notable community characteristics include a notable veteran presence at 12% of civilians, above the national average of 7%.
Overall, ZIP code 38313 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.
38313 ZIP code map
View map of 38313
Cities in ZIP code 38313
Below are the cities the US Postal Service accepts for ZIP code 38313. Using any city not on this list may result in mail delivery delays.
Nearby ZIP codes
Demographics
updated 05/2026
Population
Total population
3,710
Population density
49 / sq mi
State FIPS
47
County FIPS
113
Geography
Land area
75.58 sq mi
Water area
0.03 sq mi
Latitude
35.5925
Longitude
-88.6380
Timezone
Central (CT)
Area code
731
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
36.2%
51.9%
45.7%
$50k – $100k
39.0%
30.0%
30.9%
$100k – $200k
24.8%
15.0%
18.3%
Over $200k
0.0%
3.1%
5.1%
Demographics & statistics
$76,671
Median household income
$168,200
Median home value
21.0%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 819 22.1% 18 and over 2,891 77.9% 65 and over 680 18.3% Median age 41.7 years
Race & ethnicity
Black or African American
5.6%
Group Count % White 3,462 92.8% Black or African American 209 5.6% Hispanic or Latino 22 0.6% Other race 22 0.6% Two or more races 17 0.5%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
36.2%
51.9%
45.7%
$50k – $100k
39.0%
30.0%
30.9%
$100k – $200k
24.8%
15.0%
18.3%
Over $200k
0.0%
3.1%
5.1%
Range % of households Under $10k 3.2% $10k–$15k 0.6% $15k–$25k 10.1% $25k–$35k 5.5% $35k–$50k 11.7% $50k–$75k 14.6% $75k–$100k 23.9% $100k–$150k 21.3% $150k–$200k 4.2% $200k+ 4.9% Median income $76,671
Housing
Housing overview
Metric Value Median home value $168,200 Median rent / month $0 Owner occupied 95.2% Renter occupied 4.8% Vacant 7.2% Single-family detached 83.1% Large apartment buildings 0.0% Mobile homes 9.5% Median rooms 6.2 Avg household size (owned) 2.61
Year built
Era % 2020 or later 0.0% 2010–2019 4.2% 2000–2009 36.0% 1990–1999 25.6% 1980–1989 18.7% 1970–1979 11.4% 1960–1969 0.5% 1950–1959 2.3% 1940–1949 0.0% 1939 or earlier 1.2%
Bedrooms
Size % of units No bedroom (studio) 1.1% 1 bedroom 1.5% 2 bedrooms 14.7% 3 bedrooms 54.6% 4 bedrooms 23.5% 5+ bedrooms 4.6%
Vehicles per household
Vehicles % of households No vehicle 0.0% 1 vehicle 10.8% 2 vehicles 42.3% 3 or more 46.9%
Heating fuel
Fuel type % Utility gas 38.0% Electricity 42.5% Propane / LP gas 17.7% Wood 0.4% Solar 1.4%
Households & families
Household type Count % Married-couple family 956 66.0% Cohabiting couple 143 9.9% Male householder, no spouse 229 15.8% Female householder, no spouse 121 8.4% Households with children under 18 431 29.7% Households with seniors (65+) 468 32.3% Average household size 2.56
Marital status
Status Male Female Never married 26.6% 22.5% Married 56.4% 60.4% Separated 1.5% 0.7% Widowed 7.0% 4.3% Divorced 8.4% 12.1%
Education
Some college, no degree
20.7%
Graduate / professional
7.7%
Metric % HS diploma or higher 92.8% Bachelor's or higher 21.0%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 0 0.0% Kindergarten 11 2.1% Elementary school 345 64.5% High school 115 21.5% College / grad school 64 12.0%
Employment
Industry of employment
Education & healthcare
22.3%
Public administration
16.2%
Arts, food & hospitality
15.9%
Transportation & utilities
3.9%
Professional & management
2.9%
Agriculture & mining
2.4%
Occupation
Category % Management, business & arts 35.9% Service 24.2% Sales & office 11.2% Natural resources & construction 10.1% Production & transportation 18.6%
Employment type
Type % Private sector 69.1% Government 25.7% Self-employed 5.3% Unpaid family workers 0.0%
Commute
Method % Drive alone 89.6% Carpool 2.4% Public transit 0.0% Walk 0.0% Work from home 7.9% Other means 0.0% Avg commute (minutes) 25.5
Poverty
Married-couple families
3.7%
Female-led households
23.9%
Income support
Source % of households Social Security 37.6% Retirement income 30.7% Supplemental Security 4.2% Cash public assistance 0.9% Food stamps / SNAP 3.1%
Health indicators
Condition % Obesity 38.6% High blood pressure 37.2% High cholesterol 35.7% Diabetes 12.1% Heart disease 7.2% Stroke 3.3% Asthma 10.1% Arthritis 29.6% Kidney disease 2.9% Pulmonary disease 8.9% Cancer 6.7%
Behavior / access % Smoking 22.8% Binge drinking 15.1% No physical activity 24.3% Less than 7 hrs sleep 32.5% Depression 26.5% Fair or poor health 15.9% Poor mental health 16.7% Poor physical health 11.6% No health insurance 15.3% Visited doctor (checkup) 75.8% Visited dentist 61.6% Cholesterol screening 90.5% Teeth loss 16.3%
Veterans & disability
Veterans Count % Civilian veterans 356 12.3%
Disability % Any disability 17.7% Under 18 1.3% 18–64 years 21.2% 65 and over 25.9%
Health insurance coverage
Type % Private insurance 62.5% Public insurance 46.9% No insurance 3.2% Uninsured under 19 0.0%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 3,434 92.6% Spanish 0 0.0% Other Indo-European 0 0.0% Asian & Pacific Islander 0 0.0% Other languages 0 0.0%
Place of birth & citizenship
Origin Count % Native born (US) 3,710 100.0% Born in same state 3,698 99.7% Born in different state 3,065 82.6% Foreign born 12 0.3% Naturalized citizen 0 0.0% Not a US citizen 0 0.0%
Ancestry
Ancestry Count % Arab 796 21.5% French 604 16.3%
Ancestry Count % Italian 383 10.3% English 12 0.3%
Technology access
Metric % of households Computer access 39.1% Internet access 96.1%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 38313
What city is ZIP code 38313 in?
ZIP code 38313 is primarily assigned to Beech Bluff, Tennessee.
What county is ZIP code 38313 in?
ZIP code 38313 falls within Madison County, Tennessee.
Is ZIP code 38313 mostly owner-occupied?
95% of occupied units in ZIP code 38313 are owner-occupied, well above the national average.
Does ZIP code 38313 have a large retiree population?
38% of households in ZIP code 38313 receive Social Security income, suggesting a significant retiree or disability population.
Does ZIP code 38313 have a large veteran population?
12% of civilians in ZIP code 38313 are veterans, above the national average of ~7%.
What is the typical home value in ZIP code 38313?
The median home value in ZIP code 38313 is $168,200.
What timezone is ZIP code 38313 in?
ZIP code 38313 observes the CST timezone.
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