38545 ZIP Code — Bloomington Springs, TN

Putnam County, Tennessee

ZIP code 38545 is located in Bloomington Springs, Tennessee, within Putnam County. It covers approximately 23.02 square miles and serves a population of 1,391 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 931.

About ZIP code 38545

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $93,900. Owner-occupancy is high at 77%, well above the national average.

Median household income is $57,402. 40% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is service, with retail trade as the leading industry. The average commute of 29 minutes is near the national average.

College attainment at 13% 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 38545 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

1,391

population

23.02

sq mi land

Standard

ZIP type

Central (CT)

timezone

38545 ZIP code map

Cities in ZIP code 38545

Below are the cities the US Postal Service accepts for ZIP code 38545. Using any city not on this list may result in mail delivery delays.

City	Status
Bloomington Springs	Acceptable
Bloomington Springs	Preferred

Nearby ZIP codes

38564 Granville (5.3 mi) 38501 Cookeville (7.5 mi) 38548 Buffalo Valley (7.9 mi) 38544 Baxter (8 mi) 38552 Chestnut Mound (8.5 mi) 38562 Gainesboro (8.6 mi) 38505 Cookeville (10.3 mi) 38582 Silver Point (10.4 mi) 38560 Elmwood (10.8 mi) 38506 Cookeville (12.8 mi) 38567 Hickman (15.3 mi) 37145 Pleasant Shade (15.6 mi)

Demographics updated 05/2026

Population
Total population	1,391
Population density	60 / sq mi
State FIPS	47
County FIPS	141

Geography
Land area	23.02 sq mi
Water area	0.00 sq mi
Latitude	36.2333
Longitude	-85.6767
Timezone	Central (CT)
Area code	931

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	66.2%	55.4%	45.7%
$50k – $100k	23.2%	27.5%	30.9%
$100k – $200k	9.6%	13.8%	18.3%
Over $200k	1.0%	3.3%	5.1%

Demographics & statistics

1,391

Population

People per sq mi

33.8

Median age

$57,402

Median household income

$31,031

Per capita income

$93,900

Median home value

$772

Median monthly rent

77.2%

Home ownership

8.9%

Poverty rate

3.9%

Unemployment

579

Housing units

13.4%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

205

25–34

206

35–44

45–54

55–59

60–64

65–74

75–84

← Male

Female →

Age summary

Group	Count	%
Under 18	249	17.9%
18 and over	1,142	82.1%
65 and over	329	23.7%
Median age	33.8 years

Race & ethnicity

White 91.7%

Two or more races 5.1%

Black or African American 2.4%

Hispanic or Latino 0.4%

Other race 0.4%

Group	Count	%
White	1,281	91.7%
Two or more races	71	5.1%
Black or African American	33	2.4%
Hispanic or Latino	6	0.4%
Other race	6	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	66.2%	55.4%	45.7%
$50k – $100k	23.2%	27.5%	30.9%
$100k – $200k	9.6%	13.8%	18.3%
Over $200k	1.0%	3.3%	5.1%

Under $10k 1.1%

$15k–$25k 4.0%

$25k–$35k 7.8%

$35k–$50k 27.0%

$50k–$75k 28.1%

$75k–$100k 22.4%

$100k–$150k 5.9%

$150k–$200k 1.6%

$200k+ 2.1%

Range	% of households
Under $10k	1.1%
$15k–$25k	4.0%
$25k–$35k	7.8%
$35k–$50k	27.0%
$50k–$75k	28.1%
$75k–$100k	22.4%
$100k–$150k	5.9%
$150k–$200k	1.6%
$200k+	2.1%
Median income	$57,402

Housing

Home values

Under $50k 17.2%

$50k–$100k 36.2%

$100k–$150k 17.6%

$150k–$200k 11.4%

$200k–$300k 11.2%

$300k–$500k 5.4%

$500k–$1M 1.0%

Housing overview

Metric	Value
Median home value	$93,900
Median rent / month	$772
Owner occupied	77.2%
Renter occupied	22.8%
Vacant	13.3%
Single-family detached	75.8%
Large apartment buildings	0.0%
Mobile homes	23.0%
Median rooms	5.3
Avg household size (owned)	2.04

Year built

Era	%
2020 or later	0.0%
2010–2019	2.9%
2000–2009	9.4%
1990–1999	19.5%
1980–1989	38.9%
1970–1979	7.2%
1960–1969	3.6%
1950–1959	6.6%
1940–1949	5.3%
1939 or earlier	6.5%

Bedrooms

Size	% of units
No bedroom (studio)	2.9%
1 bedroom	1.2%
2 bedrooms	20.5%
3 bedrooms	68.7%
4 bedrooms	2.2%
5+ bedrooms	4.4%

Vehicles per household

Vehicles	% of households
No vehicle	5.4%
1 vehicle	29.2%
2 vehicles	42.0%
3 or more	23.3%

Heating fuel

Fuel type	%
Utility gas	17.9%
Electricity	72.0%
Propane / LP gas	5.0%
Wood	3.2%
No fuel used	1.9%

Households & families

Household type	Count	%
Married-couple family	282	45.0%
Cohabiting couple	51	8.1%
Male householder, no spouse	129	20.6%
Female householder, no spouse	164	26.2%
Households with children under 18	167	26.7%
Households with seniors (65+)	260	41.5%
Average household size	2.20

Marital status

Status	Male	Female
Never married	26.8%	24.4%
Married	49.7%	49.7%
Separated	5.9%	0.0%
Widowed	0.0%	6.4%
Divorced	17.6%	19.5%

Education

Less than 9th grade 2.7%

Some HS, no diploma 8.5%

HS graduate 62.1%

Some college, no degree 8.5%

Associate's degree 4.8%

Bachelor's degree 12.0%

Graduate / professional 1.4%

Metric	%
HS diploma or higher	88.8%
Bachelor's or higher	13.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	23	10.1%
Kindergarten	35	15.4%
Elementary school	150	65.8%
High school	11	4.8%
College / grad school	9	3.9%

Employment

Industry of employment

Retail trade 29.0%

Education & healthcare 17.1%

Manufacturing 13.9%

Construction 13.7%

Public administration 7.3%

Other services 4.5%

Wholesale trade 3.7%

Finance & real estate 3.5%

Transportation & utilities 3.1%

Professional & management 1.7%

Agriculture & mining 1.5%

Information 1.0%

Occupation

Category	%
Management, business & arts	19.5%
Service	23.7%
Sales & office	20.7%
Natural resources & construction	18.2%
Production & transportation	17.8%

Employment type

Type	%
Private sector	75.1%
Government	14.5%
Self-employed	10.4%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	88.6%
Carpool	8.2%
Public transit	0.0%
Walk	1.0%
Work from home	2.2%
Other means	0.0%
Avg commute (minutes)	28.5

Poverty

All people 8.9%

Under 18 years 20.2%

18 and over 6.6%

Married-couple families 5.7%

Female-led households 34.9%

Income support

Source	% of households
Social Security	40.1%
Retirement income	19.8%
Supplemental Security	3.5%
Cash public assistance	0.0%
Food stamps / SNAP	16.5%

Health indicators

Condition	%
Obesity	38.6%
High blood pressure	39.8%
High cholesterol	35.6%
Diabetes	12.9%
Heart disease	7.6%
Stroke	3.6%
Asthma	10.8%
Arthritis	30.4%
Kidney disease	3.1%
Pulmonary disease	10.5%
Cancer	6.4%

Behavior / access	%
Smoking	26.7%
Binge drinking	14.6%
No physical activity	28.3%
Less than 7 hrs sleep	35.4%
Depression	27.7%
Fair or poor health	19.1%
Poor mental health	18.1%
Poor physical health	13.2%
No health insurance	18.3%
Visited doctor (checkup)	74.8%
Visited dentist	54.7%
Cholesterol screening	89.0%
Teeth loss	20.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	108	9.5%

Disability	%
Any disability	15.6%
Under 18	14.3%
18–64 years	9.2%
65 and over	32.2%

Health insurance coverage

Type	%
Private insurance	53.4%
Public insurance	51.2%
No insurance	10.9%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,340	96.3%
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)	1,389	99.9%
Born in same state	1,389	99.9%
Born in different state	969	69.7%
Foreign born	0	0.0%
Naturalized citizen	2	0.1%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Arab	335	24.1%
French	194	13.9%
Italian	85	6.1%

Ancestry	Count	%
Polish	15	1.1%
English	8	0.6%

Technology access

Metric	% of households
Computer access	45.0%
Internet access	81.9%

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

Frequently asked questions about ZIP code 38545

What city is ZIP code 38545 in?

ZIP code 38545 is primarily assigned to Bloomington Springs, Tennessee.

What county is ZIP code 38545 in?

ZIP code 38545 falls within Jackson County, Tennessee.

How educated is the population of ZIP code 38545?

13% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 38545 have a large retiree population?

40% of households in ZIP code 38545 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 38545?

The median home value in ZIP code 38545 is $93,900.

Does ZIP code 38545 have a large veteran population?

10% of civilians in ZIP code 38545 are veterans, above the national average of ~7%.

What timezone is ZIP code 38545 in?

ZIP code 38545 observes the CST timezone.