38320 ZIP Code — Camden, TN

Benton County, Tennessee

ZIP code 38320 is located in Camden, Tennessee, within Benton County. It covers approximately 146.63 square miles and serves a population of 10,773 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 731.

About ZIP code 38320

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 $115,600. Owner-occupancy sits near the national average at 71%.

Median household income is $49,774. 44% 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 23 minutes is near the national average.

College attainment at 12% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of diabetes (16%), smoking (27%) compared to national benchmarks.

Notable community characteristics include disability rates above the national average at 27%.

Overall, ZIP code 38320 reflects a community defined by a trades-oriented workforce and a significant Social Security-dependent population.

10,773

population

146.63

sq mi land

Standard

ZIP type

Central (CT)

timezone

38320 ZIP code map

Cities in ZIP code 38320

Below are the cities the US Postal Service accepts for ZIP code 38320. Using any city not on this list may result in mail delivery delays.

City	Status
Camden	Preferred

Nearby ZIP codes

38333 Eva (8.6 mi) 37134 New Johnsonville (9.8 mi) 38317 Bruceton (9.9 mi) 38342 Hollow Rock (11.1 mi) 38318 Buena Vista (11.5 mi) 38236 Mansfield (12.3 mi) 38341 Holladay (13.5 mi) 38221 Big Sandy (14.8 mi) 37185 Waverly (15.8 mi) 38387 Westport (16.5 mi) 38256 Springville (16.5 mi) 38380 Sugar Tree (19.2 mi)

Demographics updated 05/2026

Population
Total population	10,773
Population density	73 / sq mi
State FIPS	47
County FIPS	005

Geography
Land area	146.63 sq mi
Water area	8.03 sq mi
Latitude	36.0635
Longitude	-88.0975
Timezone	Central (CT)
Area code	731

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	58.2%	58.9%	45.7%
$50k – $100k	26.7%	28.1%	30.9%
$100k – $200k	12.8%	10.9%	18.3%
Over $200k	2.2%	2.1%	5.1%

Demographics & statistics

10,773

Population

People per sq mi

43.7

Median age

$49,774

Median household income

$27,994

Per capita income

$115,600

Median home value

$798

Median monthly rent

70.7%

Home ownership

15.6%

Poverty rate

4.8%

Unemployment

3,833

Housing units

12.2%

Bachelor's or higher

Age distribution

Male Female

239

Under 5

246

331

5–9

340

310

10–14

318

353

15–19

363

318

20–24

327

472

25–34

485

671

35–44

690

693

45–54

712

444

55–59

457

377

60–64

387

616

65–74

634

350

75–84

361

138

85+

141

← Male

Female →

Age summary

Group	Count	%
Under 18	2,226	20.7%
18 and over	8,547	79.3%
65 and over	2,240	20.8%
Median age	43.7 years

Race & ethnicity

White 91.6%

Two or more races 3.6%

Black or African American 2.2%

Asian 1.4%

Hispanic or Latino 1.1%

American Indian / Alaska Native 0.2%

Group	Count	%
White	9,977	91.6%
Two or more races	388	3.6%
Black or African American	242	2.2%
Asian	148	1.4%
Hispanic or Latino	124	1.1%
American Indian / Alaska Native	18	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	58.2%	58.9%	45.7%
$50k – $100k	26.7%	28.1%	30.9%
$100k – $200k	12.8%	10.9%	18.3%
Over $200k	2.2%	2.1%	5.1%

Under $10k 2.8%

$10k–$15k 4.8%

$15k–$25k 13.0%

$25k–$35k 11.5%

$35k–$50k 18.2%

$50k–$75k 16.5%

$75k–$100k 16.1%

$100k–$150k 9.4%

$150k–$200k 4.1%

$200k+ 3.7%

Range	% of households
Under $10k	2.8%
$10k–$15k	4.8%
$15k–$25k	13.0%
$25k–$35k	11.5%
$35k–$50k	18.2%
$50k–$75k	16.5%
$75k–$100k	16.1%
$100k–$150k	9.4%
$150k–$200k	4.1%
$200k+	3.7%
Median income	$49,774

Housing

Home values

Under $50k 14.3%

$50k–$100k 29.7%

$100k–$150k 16.9%

$150k–$200k 19.6%

$200k–$300k 8.7%

$300k–$500k 4.0%

$500k–$1M 5.5%

$1M+ 1.2%

Housing overview

Metric	Value
Median home value	$115,600
Median rent / month	$798
Owner occupied	70.7%
Renter occupied	29.3%
Vacant	14.1%
Single-family detached	69.0%
Large apartment buildings	1.2%
Mobile homes	25.2%
Median rooms	5.6
Avg household size (owned)	2.48

Year built

Era	%
2020 or later	0.4%
2010–2019	9.3%
2000–2009	11.9%
1990–1999	21.3%
1980–1989	11.5%
1970–1979	15.3%
1960–1969	10.7%
1950–1959	11.3%
1940–1949	2.2%
1939 or earlier	6.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.9%
1 bedroom	3.8%
2 bedrooms	26.8%
3 bedrooms	54.0%
4 bedrooms	11.1%
5+ bedrooms	3.3%

Vehicles per household

Vehicles	% of households
No vehicle	4.4%
1 vehicle	34.1%
2 vehicles	36.9%
3 or more	24.6%

Heating fuel

Fuel type	%
Utility gas	47.1%
Electricity	47.8%
Propane / LP gas	2.4%
Wood	2.5%
No fuel used	0.2%

Households & families

Household type	Count	%
Married-couple family	1,939	44.1%
Cohabiting couple	274	6.2%
Male householder, no spouse	891	20.3%
Female householder, no spouse	1,295	29.4%
Households with children under 18	1,221	27.8%
Households with seniors (65+)	1,666	37.9%
Average household size	2.41

Marital status

Status	Male	Female
Never married	27.6%	23.4%
Married	46.7%	46.5%
Separated	3.9%	2.5%
Widowed	4.9%	13.8%
Divorced	16.9%	13.8%

Education

Less than 9th grade 6.0%

Some HS, no diploma 10.2%

HS graduate 45.0%

Some college, no degree 20.4%

Associate's degree 6.3%

Bachelor's degree 7.1%

Graduate / professional 5.2%

Metric	%
HS diploma or higher	83.8%
Bachelor's or higher	12.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	157	7.5%
Kindergarten	94	4.5%
Elementary school	1,171	55.8%
High school	379	18.1%
College / grad school	297	14.2%

Employment

Industry of employment

Education & healthcare 24.8%

Manufacturing 15.6%

Retail trade 12.1%

Transportation & utilities 8.4%

Other services 6.8%

Professional & management 6.7%

Construction 6.2%

Arts, food & hospitality 5.8%

Public administration 5.7%

Agriculture & mining 2.7%

Finance & real estate 2.5%

Information 2.2%

Wholesale trade 0.5%

Occupation

Category	%
Management, business & arts	25.2%
Service	22.9%
Sales & office	16.5%
Natural resources & construction	12.0%
Production & transportation	23.5%

Employment type

Type	%
Private sector	71.7%
Government	19.8%
Self-employed	8.2%
Unpaid family workers	0.3%

Commute

Method	%
Drive alone	84.3%
Carpool	4.4%
Public transit	0.0%
Walk	1.2%
Work from home	2.3%
Other means	7.8%
Avg commute (minutes)	22.7

Poverty

All people 15.6%

Under 18 years 15.9%

18 and over 15.6%

Married-couple families 5.0%

Female-led households 34.9%

Income support

Source	% of households
Social Security	44.3%
Retirement income	31.0%
Supplemental Security	8.0%
Cash public assistance	2.8%
Food stamps / SNAP	16.2%

Health indicators

Condition	%
Obesity	39.4%
High blood pressure	44.7%
High cholesterol	40.8%
Diabetes	15.7%
Heart disease	10.0%
Stroke	4.9%
Asthma	11.1%
Arthritis	35.9%
Kidney disease	4.1%
Pulmonary disease	12.9%
Cancer	8.0%

Behavior / access	%
Smoking	27.0%
Binge drinking	12.7%
No physical activity	31.9%
Less than 7 hrs sleep	34.3%
Depression	27.4%
Fair or poor health	23.3%
Poor mental health	17.7%
Poor physical health	15.4%
No health insurance	18.7%
Visited doctor (checkup)	76.8%
Visited dentist	50.8%
Cholesterol screening	89.8%
Teeth loss	23.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	430	5.0%

Disability	%
Any disability	27.0%
Under 18	10.8%
18–64 years	24.6%
65 and over	50.0%

Health insurance coverage

Type	%
Private insurance	56.2%
Public insurance	45.7%
No insurance	10.1%
Uninsured under 19	3.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	10,288	95.5%
Spanish	10	0.1%
Other Indo-European	0	0.0%
Asian & Pacific Islander	10	0.1%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	10,541	97.8%
Born in same state	10,472	97.2%
Born in different state	7,193	66.8%
Foreign born	69	0.6%
Naturalized citizen	232	2.2%
Not a US citizen	222	95.7%

Ancestry

Ancestry	Count	%
Arab	3,873	36%
Italian	995	9.2%
French	888	8.2%
German	70	0.6%

Ancestry	Count	%
English	45	0.4%
Polish	25	0.2%
Dutch	12	0.1%

Technology access

Metric	% of households
Computer access	40.8%
Internet access	87.9%

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

Frequently asked questions about ZIP code 38320

What city is ZIP code 38320 in?

ZIP code 38320 is primarily assigned to Camden, Tennessee.

What county is ZIP code 38320 in?

ZIP code 38320 falls within Benton County, Tennessee.

How educated is the population of ZIP code 38320?

12% 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 38320 have a large retiree population?

44% of households in ZIP code 38320 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 38320?

16% of residents in ZIP code 38320 live below the poverty line, above the national average.

What is the typical home value in ZIP code 38320?

The median home value in ZIP code 38320 is $115,600.

What timezone is ZIP code 38320 in?

ZIP code 38320 observes the CST timezone.