38321 ZIP Code — Cedar Grove, TN

Carroll County, Tennessee

ZIP code 38321 is located in Cedar Grove, Tennessee, within Carroll County. It covers approximately 91.86 square miles and serves a population of 2,953 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 731.

About ZIP code 38321

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 $102,900. Owner-occupancy is high at 78%, well above the national average.

Median household income is $48,272. Poverty affects 25% of residents, above the national average. SNAP benefit usage at 18% of households reflects economic stress in the area. 44% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with manufacturing as the leading industry. The average commute of 35 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 smoking (27%) 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 38321 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a strong veteran community, high homeownership, a significant Social Security-dependent population, and elevated reliance on food assistance.

2,953

population

91.86

sq mi land

Standard

ZIP type

Central (CT)

timezone

38321 ZIP code map

Cities in ZIP code 38321

Below are the cities the US Postal Service accepts for ZIP code 38321. Using any city not on this list may result in mail delivery delays.

City	Status
Cedar Grove	Preferred

Nearby ZIP codes

38348 Lavinia (6.6 mi) 38390 Yuma (8.7 mi) 38344 Huntingdon (11 mi) 38388 Wildersville (11.8 mi) 38355 Medina (13.4 mi) 38258 Trezevant (13.6 mi) 38220 Atwood (13.9 mi) 38387 Westport (14.1 mi) 38351 Lexington (14.5 mi) 38358 Milan (15.2 mi) 38362 Oakfield (16.7 mi) 38305 Jackson (17 mi)

Demographics updated 05/2026

Population
Total population	2,953
Population density	32 / sq mi
State FIPS	47
County FIPS	017

Geography
Land area	91.86 sq mi
Water area	0.29 sq mi
Latitude	35.8410
Longitude	-88.5253
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	52.2%	57.5%	45.7%
$50k – $100k	26.6%	28.4%	30.9%
$100k – $200k	21.2%	12.8%	18.3%
Over $200k	0.0%	1.3%	5.1%

Demographics & statistics

2,953

Population

People per sq mi

41.8

Median age

$48,272

Median household income

$21,774

Per capita income

$102,900

Median home value

$656

Median monthly rent

78.3%

Home ownership

24.6%

Poverty rate

2.4%

Unemployment

1,004

Housing units

8.1%

Bachelor's or higher

Age distribution

Male Female

162

Under 5

147

156

5–9

142

10–14

15–19

20–24

178

25–34

162

194

35–44

175

135

45–54

122

55–59

157

60–64

143

145

65–74

131

151

75–84

137

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	852	28.9%
18 and over	2,101	71.1%
65 and over	603	20.4%
Median age	41.8 years

Race & ethnicity

White 86.3%

Two or more races 6.7%

Black or African American 5.5%

Hispanic or Latino 0.8%

Asian 0.3%

Other race 0.2%

Group	Count	%
White	2,571	86.3%
Two or more races	201	6.7%
Black or African American	165	5.5%
Hispanic or Latino	25	0.8%
Asian	10	0.3%
Other race	6	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	52.2%	57.5%	45.7%
$50k – $100k	26.6%	28.4%	30.9%
$100k – $200k	21.2%	12.8%	18.3%
Over $200k	0.0%	1.3%	5.1%

Under $10k 4.6%

$10k–$15k 3.6%

$15k–$25k 19.8%

$25k–$35k 11.9%

$35k–$50k 12.2%

$50k–$75k 21.8%

$75k–$100k 6.4%

$100k–$150k 12.7%

$150k–$200k 7.0%

Range	% of households
Under $10k	4.6%
$10k–$15k	3.6%
$15k–$25k	19.8%
$25k–$35k	11.9%
$35k–$50k	12.2%
$50k–$75k	21.8%
$75k–$100k	6.4%
$100k–$150k	12.7%
$150k–$200k	7.0%
Median income	$48,272

Housing

Home values

Under $50k 18.4%

$50k–$100k 30.6%

$100k–$150k 13.4%

$150k–$200k 6.8%

$200k–$300k 20.6%

$300k–$500k 8.9%

$500k–$1M 1.2%

Housing overview

Metric	Value
Median home value	$102,900
Median rent / month	$656
Owner occupied	78.3%
Renter occupied	21.7%
Vacant	8.2%
Single-family detached	67.5%
Large apartment buildings	0.0%
Mobile homes	32.5%
Median rooms	5.9
Avg household size (owned)	2.33

Year built

Era	%
2020 or later	0.0%
2010–2019	7.5%
2000–2009	14.4%
1990–1999	38.9%
1980–1989	11.9%
1970–1979	11.2%
1960–1969	2.6%
1950–1959	2.5%
1940–1949	6.2%
1939 or earlier	4.8%

Bedrooms

Size	% of units
No bedroom (studio)	0.6%
1 bedroom	2.6%
2 bedrooms	22.4%
3 bedrooms	59.3%
4 bedrooms	12.4%
5+ bedrooms	2.7%

Vehicles per household

Vehicles	% of households
No vehicle	4.8%
1 vehicle	14.7%
2 vehicles	33.4%
3 or more	47.2%

Heating fuel

Fuel type	%
Utility gas	20.1%
Electricity	56.1%
Propane / LP gas	16.7%
Fuel oil	1.4%
Wood	1.0%
No fuel used	1.0%

Households & families

Household type	Count	%
Married-couple family	532	46.2%
Cohabiting couple	139	12.1%
Male householder, no spouse	283	24.6%
Female householder, no spouse	197	17.1%
Households with children under 18	394	34.2%
Households with seniors (65+)	440	38.2%
Average household size	2.57

Marital status

Status	Male	Female
Never married	34.5%	21.2%
Married	49.8%	48.6%
Separated	0.5%	2.6%
Widowed	6.1%	9.9%
Divorced	9.2%	17.7%

Education

Less than 9th grade 5.7%

Some HS, no diploma 9.7%

HS graduate 51.0%

Some college, no degree 17.7%

Associate's degree 7.9%

Bachelor's degree 5.5%

Graduate / professional 2.7%

Metric	%
HS diploma or higher	84.7%
Bachelor's or higher	8.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	75	13.3%
Elementary school	385	68.4%
High school	40	7.1%
College / grad school	63	11.2%

Employment

Industry of employment

Manufacturing 24.6%

Education & healthcare 16.8%

Retail trade 16.3%

Construction 11.5%

Transportation & utilities 9.7%

Finance & real estate 4.9%

Arts, food & hospitality 4.7%

Professional & management 4.3%

Other services 2.0%

Public administration 1.7%

Information 1.4%

Wholesale trade 1.0%

Agriculture & mining 0.9%

Occupation

Category	%
Management, business & arts	26.2%
Service	9.3%
Sales & office	21.9%
Natural resources & construction	16.5%
Production & transportation	26.2%

Employment type

Type	%
Private sector	75.7%
Government	8.5%
Self-employed	15.8%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	76.8%
Carpool	7.8%
Public transit	0.0%
Walk	0.0%
Work from home	5.5%
Other means	9.9%
Avg commute (minutes)	34.5

Poverty

All people 24.6%

Under 18 years 36.8%

18 and over 19.8%

Married-couple families 13.7%

Female-led households 56.6%

Income support

Source	% of households
Social Security	44.3%
Retirement income	27.7%
Supplemental Security	11.2%
Cash public assistance	0.0%
Food stamps / SNAP	17.5%

Health indicators

Condition	%
Obesity	40.1%
High blood pressure	42.3%
High cholesterol	37.9%
Diabetes	14.5%
Heart disease	8.7%
Stroke	4.3%
Asthma	11.2%
Arthritis	33.8%
Kidney disease	3.6%
Pulmonary disease	11.5%
Cancer	7.4%

Behavior / access	%
Smoking	26.9%
Binge drinking	13.1%
No physical activity	29.7%
Less than 7 hrs sleep	37.0%
Depression	27.3%
Fair or poor health	21.2%
Poor mental health	18.1%
Poor physical health	14.3%
No health insurance	18.9%
Visited doctor (checkup)	75.9%
Visited dentist	51.6%
Cholesterol screening	89.6%
Teeth loss	22.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	243	11.6%

Disability	%
Any disability	20.9%
Under 18	13.0%
18–64 years	12.7%
65 and over	52.2%

Health insurance coverage

Type	%
Private insurance	55.0%
Public insurance	43.5%
No insurance	14.7%
Uninsured under 19	21.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,644	89.5%
Spanish	9	0.3%
Other Indo-European	9	0.3%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,943	99.7%
Born in same state	2,943	99.7%
Born in different state	2,187	74.1%
Foreign born	0	0.0%
Naturalized citizen	10	0.3%
Not a US citizen	10	100.0%

Ancestry

Ancestry	Count	%
Arab	1,085	36.7%
French	188	6.4%

Ancestry	Count	%
Italian	121	4.1%

Technology access

Metric	% of households
Computer access	39.0%
Internet access	86.2%

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

Frequently asked questions about ZIP code 38321

What city is ZIP code 38321 in?

ZIP code 38321 is primarily assigned to Cedar Grove, Tennessee.

What county is ZIP code 38321 in?

ZIP code 38321 falls within Carroll County, Tennessee.

What is the poverty rate in ZIP code 38321?

25% of residents in ZIP code 38321 live below the poverty line, above the national average.

How educated is the population of ZIP code 38321?

8% 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 38321 have a large retiree population?

44% of households in ZIP code 38321 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 38321 have a large veteran population?

12% of civilians in ZIP code 38321 are veterans, above the national average of ~7%.

What timezone is ZIP code 38321 in?

ZIP code 38321 observes the CST timezone.