38224 ZIP Code — Cottage Grove, TN

Henry County, Tennessee

ZIP code 38224 is located in Cottage Grove, Tennessee, within Henry County. It covers approximately 59.86 square miles and serves a population of 860 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 731.

About ZIP code 38224

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1960s, giving the area an established character. Median home value is $146,300. Owner-occupancy is high at 83%, well above the national average.

Median household income is $55,714. Poverty affects 19% of residents, above the national average. 47% 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 33 minutes is near the national average.

College attainment at 14% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (25%) compared to national benchmarks. 23% of residents lack health insurance, above the national average.

Notable community characteristics include disability rates above the national average at 24%.

Overall, ZIP code 38224 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, high homeownership, and a significant Social Security-dependent population.

860

population

59.86

sq mi land

Standard

ZIP type

Central (CT)

timezone

38224 ZIP code map

Cities in ZIP code 38224

Below are the cities the US Postal Service accepts for ZIP code 38224. Using any city not on this list may result in mail delivery delays.

City	Status
Cottage Grove	Preferred

Nearby ZIP codes

38241 Palmersville (7.1 mi) 38251 Puryear (7.7 mi) 38242 Paris (8.8 mi) 38225 Dresden (11.1 mi) 38226 Dukedom (11.5 mi) 38231 Henry (13 mi) 42049 Hazel (13 mi) 42079 Sedalia (13.4 mi) 38229 Gleason (13.5 mi) 42040 Farmington (14.1 mi) 38201 Mc Kenzie (18.1 mi) 38222 Buchanan (18.6 mi)

Demographics updated 05/2026

Population
Total population	860
Population density	14 / sq mi
State FIPS	47
County FIPS	079

Geography
Land area	59.86 sq mi
Water area	0.17 sq mi
Latitude	36.3975
Longitude	-88.4850
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	52.6%	59.2%	45.7%
$50k – $100k	33.1%	25.5%	30.9%
$100k – $200k	9.8%	13.8%	18.3%
Over $200k	4.5%	1.4%	5.1%

Demographics & statistics

860

Population

People per sq mi

47.7

Median age

$55,714

Median household income

$33,888

Per capita income

$146,300

Median home value

$617

Median monthly rent

82.6%

Home ownership

19.0%

Poverty rate

4.9%

Unemployment

302

Housing units

13.6%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	160	18.6%
18 and over	700	81.4%
65 and over	181	21.0%
Median age	47.7 years

Race & ethnicity

White 91.3%

Two or more races 4.5%

Black or African American 2.4%

Native Hawaiian / Pacific Islander 1.6%

American Indian / Alaska Native 0.1%

Group	Count	%
White	785	91.3%
Two or more races	39	4.5%
Black or African American	21	2.4%
Native Hawaiian / Pacific Islander	14	1.6%
American Indian / Alaska Native	1	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	52.6%	59.2%	45.7%
$50k – $100k	33.1%	25.5%	30.9%
$100k – $200k	9.8%	13.8%	18.3%
Over $200k	4.5%	1.4%	5.1%

Under $10k 3.0%

$10k–$15k 8.2%

$15k–$25k 10.5%

$25k–$35k 8.9%

$35k–$50k 15.1%

$50k–$75k 16.1%

$75k–$100k 22.7%

$100k–$150k 11.2%

$200k+ 4.3%

Range	% of households
Under $10k	3.0%
$10k–$15k	8.2%
$15k–$25k	10.5%
$25k–$35k	8.9%
$35k–$50k	15.1%
$50k–$75k	16.1%
$75k–$100k	22.7%
$100k–$150k	11.2%
$200k+	4.3%
Median income	$55,714

Housing

Home values

Under $50k 11.6%

$50k–$100k 16.7%

$100k–$150k 24.7%

$150k–$200k 31.5%

$200k–$300k 8.8%

$300k–$500k 6.8%

Housing overview

Metric	Value
Median home value	$146,300
Median rent / month	$617
Owner occupied	82.6%
Renter occupied	17.4%
Vacant	14.4%
Single-family detached	65.4%
Large apartment buildings	0.0%
Mobile homes	31.8%
Median rooms	5.7
Avg household size (owned)	2.68

Year built

Era	%
2020 or later	0.0%
2010–2019	1.1%
2000–2009	9.0%
1990–1999	13.2%
1980–1989	12.4%
1970–1979	15.8%
1960–1969	26.2%
1950–1959	2.0%
1940–1949	2.0%
1939 or earlier	18.3%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	2.5%
2 bedrooms	25.6%
3 bedrooms	53.8%
4 bedrooms	14.4%
5+ bedrooms	3.7%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	20.1%
2 vehicles	47.7%
3 or more	32.2%

Heating fuel

Fuel type	%
Utility gas	11.2%
Electricity	66.8%
Propane / LP gas	18.4%
Wood	2.3%

Households & families

Household type	Count	%
Married-couple family	154	50.7%
Cohabiting couple	32	10.5%
Male householder, no spouse	65	21.4%
Female householder, no spouse	53	17.4%
Households with children under 18	74	24.3%
Households with seniors (65+)	143	47.0%
Average household size	2.83

Marital status

Status	Male	Female
Never married	5.9%	18.4%
Married	71.3%	56.8%
Separated	6.2%	0.6%
Widowed	4.7%	13.6%
Divorced	12.0%	10.6%

Education

Less than 9th grade 6.7%

Some HS, no diploma 2.4%

HS graduate 59.3%

Some college, no degree 17.8%

Associate's degree 0.3%

Bachelor's degree 13.1%

Graduate / professional 0.4%

Metric	%
HS diploma or higher	90.9%
Bachelor's or higher	13.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	1	1.6%
Kindergarten	17	27.9%
Elementary school	38	62.3%
High school	1	1.6%
College / grad school	4	6.6%

Employment

Industry of employment

Manufacturing 23.1%

Construction 12.7%

Retail trade 12.2%

Agriculture & mining 10.2%

Transportation & utilities 9.0%

Finance & real estate 6.8%

Arts, food & hospitality 6.8%

Education & healthcare 6.1%

Public administration 4.6%

Wholesale trade 3.9%

Other services 2.9%

Professional & management 1.7%

Occupation

Category	%
Management, business & arts	14.1%
Service	6.1%
Sales & office	22.1%
Natural resources & construction	27.5%
Production & transportation	30.2%

Employment type

Type	%
Private sector	82.5%
Government	6.6%
Self-employed	8.0%
Unpaid family workers	2.9%

Commute

Method	%
Drive alone	86.4%
Carpool	2.5%
Public transit	0.8%
Walk	3.0%
Work from home	2.2%
Other means	5.0%
Avg commute (minutes)	32.5

Poverty

All people 19.0%

Under 18 years 2.5%

18 and over 22.7%

Married-couple families 16.9%

Female-led households 17.9%

Income support

Source	% of households
Social Security	46.7%
Retirement income	31.6%
Supplemental Security	9.5%
Cash public assistance	0.0%
Food stamps / SNAP	15.1%

Health indicators

Condition	%
Obesity	38.2%
High blood pressure	39.6%
High cholesterol	37.4%
Diabetes	13.1%
Heart disease	8.1%
Stroke	3.8%
Asthma	10.3%
Arthritis	30.9%
Kidney disease	3.3%
Pulmonary disease	10.1%
Cancer	7.0%

Behavior / access	%
Smoking	25.3%
Binge drinking	14.2%
No physical activity	27.7%
Less than 7 hrs sleep	35.5%
Depression	26.7%
Fair or poor health	18.3%
Poor mental health	17.4%
Poor physical health	12.9%
No health insurance	17.5%
Visited doctor (checkup)	75.6%
Visited dentist	56.3%
Cholesterol screening	89.5%
Teeth loss	20.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	52	7.4%

Disability	%
Any disability	24.0%
Under 18	15.0%
18–64 years	13.9%
65 and over	60.8%

Health insurance coverage

Type	%
Private insurance	48.7%
Public insurance	42.6%
No insurance	23.1%
Uninsured under 19	31.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	781	90.8%
Spanish	1	0.1%
Other Indo-European	1	0.1%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	860	100.0%
Born in same state	847	98.5%
Born in different state	463	53.8%
Foreign born	13	1.5%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Arab	410	47.7%
French	59	6.9%
Italian	20	2.3%

Ancestry	Count	%
Irish	8	0.9%
Dutch	3	0.3%
English	1	0.1%

Technology access

Metric	% of households
Computer access	35.3%
Internet access	86.5%

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

Frequently asked questions about ZIP code 38224

What city is ZIP code 38224 in?

ZIP code 38224 is primarily assigned to Cottage Grove, Tennessee.

What county is ZIP code 38224 in?

ZIP code 38224 falls within Henry County, Tennessee.

Does ZIP code 38224 have a large retiree population?

47% of households in ZIP code 38224 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 38224?

19% of residents in ZIP code 38224 live below the poverty line, above the national average.

How educated is the population of ZIP code 38224?

14% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Is ZIP code 38224 mostly owner-occupied?

83% of occupied units in ZIP code 38224 are owner-occupied, well above the national average.

What timezone is ZIP code 38224 in?

ZIP code 38224 observes the CST timezone.