38558 ZIP Code — Crossville, TN

Cumberland County, Tennessee

ZIP code 38558 is located in Crossville, Tennessee, within Cumberland County. It covers approximately 20.16 square miles and serves a population of 9,470 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 931.

About ZIP code 38558

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 $283,000. Owner-occupancy is high at 89%, well above the national average.

Median household income is $68,281. 81% 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 20 minutes is near the national average.

Educational attainment is near the national average, with 30% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of diabetes (20%) compared to national benchmarks.

Notable community characteristics include a notable veteran presence at 19% of civilians, above the national average of 7%; and disability rates above the national average at 23%.

Overall, ZIP code 38558 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

9,470

population

20.16

sq mi land

Standard

ZIP type

Central (CT)

timezone

38558 ZIP code map

Cities in ZIP code 38558

Below are the cities the US Postal Service accepts for ZIP code 38558. Using any city not on this list may result in mail delivery delays.

City	Status
Crossville	Acceptable
Crossville	Preferred

Nearby ZIP codes

37723 Crab Orchard (4.8 mi) 37829 Oakdale (10.3 mi) 38571 Crossville (10.5 mi) 37854 Rockwood (12.2 mi) 37726 Deer Lodge (12.8 mi) 38555 Crossville (14.3 mi) 37770 Lancing (14.3 mi) 38553 Clarkrange (15.6 mi) 37887 Wartburg (17.8 mi) 38565 Grimsley (19.1 mi) 37872 Sunbright (19.2 mi) 38572 Crossville (19.4 mi)

Demographics updated 05/2026

Population
Total population	9,470
Population density	470 / sq mi
State FIPS	47
County FIPS	035

Geography
Land area	20.16 sq mi
Water area	0.50 sq mi
Latitude	36.0206
Longitude	-84.8567
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	42.9%	50.6%	45.7%
$50k – $100k	44.3%	35.7%	30.9%
$100k – $200k	11.2%	11.4%	18.3%
Over $200k	1.6%	2.3%	5.1%

Demographics & statistics

9,470

Population

470

People per sq mi

69.7

Median age

$68,281

Median household income

$37,958

Per capita income

$283,000

Median home value

$1,250

Median monthly rent

88.6%

Home ownership

8.3%

Poverty rate

3.1%

Unemployment

4,972

Housing units

30.2%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

126

10–14

143

15–19

20–24

118

25–34

133

115

35–44

131

164

45–54

187

217

55–59

247

560

60–64

634

1,576

65–74

1,786

960

75–84

1,089

388

85+

439

← Male

Female →

Age summary

Group	Count	%
Under 18	453	4.8%
18 and over	9,017	95.2%
65 and over	6,238	65.9%
Median age	69.7 years

Race & ethnicity

White 93.8%

Two or more races 2.6%

Hispanic or Latino 1.6%

Other race 0.7%

Asian 0.7%

Black or African American 0.6%

Group	Count	%
White	9,029	93.8%
Two or more races	253	2.6%
Hispanic or Latino	155	1.6%
Other race	71	0.7%
Asian	64	0.7%
Black or African American	53	0.6%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	42.9%	50.6%	45.7%
$50k – $100k	44.3%	35.7%	30.9%
$100k – $200k	11.2%	11.4%	18.3%
Over $200k	1.6%	2.3%	5.1%

Under $10k 4.0%

$10k–$15k 2.9%

$15k–$25k 5.9%

$25k–$35k 10.1%

$35k–$50k 14.3%

$50k–$75k 17.0%

$75k–$100k 24.2%

$100k–$150k 16.6%

$150k–$200k 2.3%

$200k+ 2.6%

Range	% of households
Under $10k	4.0%
$10k–$15k	2.9%
$15k–$25k	5.9%
$25k–$35k	10.1%
$35k–$50k	14.3%
$50k–$75k	17.0%
$75k–$100k	24.2%
$100k–$150k	16.6%
$150k–$200k	2.3%
$200k+	2.6%
Median income	$68,281

Housing

Home values

Under $50k 1.1%

$50k–$100k 7.2%

$100k–$150k 6.2%

$150k–$200k 10.9%

$200k–$300k 30.1%

$300k–$500k 34.0%

$500k–$1M 10.2%

$1M+ 0.4%

Housing overview

Metric	Value
Median home value	$283,000
Median rent / month	$1,250
Owner occupied	88.6%
Renter occupied	11.4%
Vacant	12.9%
Single-family detached	84.3%
Large apartment buildings	0.8%
Mobile homes	4.7%
Median rooms	6.2
Avg household size (owned)	1.99

Year built

Era	%
2020 or later	1.3%
2010–2019	14.1%
2000–2009	23.7%
1990–1999	22.1%
1980–1989	21.0%
1970–1979	15.5%
1960–1969	0.5%
1950–1959	0.0%
1940–1949	0.2%
1939 or earlier	1.6%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	1.8%
2 bedrooms	25.6%
3 bedrooms	66.2%
4 bedrooms	4.8%
5+ bedrooms	1.6%

Vehicles per household

Vehicles	% of households
No vehicle	6.2%
1 vehicle	30.1%
2 vehicles	51.2%
3 or more	12.4%

Heating fuel

Fuel type	%
Utility gas	15.5%
Electricity	80.1%
Propane / LP gas	4.0%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	3,266	68.0%
Cohabiting couple	222	4.6%
Male householder, no spouse	404	8.4%
Female householder, no spouse	912	19.0%
Households with children under 18	289	6.0%
Households with seniors (65+)	3,658	76.1%
Average household size	1.97

Marital status

Status	Male	Female
Never married	5.7%	7.4%
Married	81.6%	71.6%
Separated	0.0%	0.2%
Widowed	3.5%	13.4%
Divorced	9.1%	7.4%

Education

Less than 9th grade 1.2%

Some HS, no diploma 0.9%

HS graduate 29.0%

Some college, no degree 31.0%

Associate's degree 7.7%

Bachelor's degree 17.4%

Graduate / professional 12.8%

Metric	%
HS diploma or higher	97.9%
Bachelor's or higher	30.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	27	6.3%
Kindergarten	0	0.0%
Elementary school	320	74.8%
High school	0	0.0%
College / grad school	81	18.9%

Employment

Industry of employment

Education & healthcare 19.2%

Professional & management 17.9%

Arts, food & hospitality 17.0%

Finance & real estate 11.6%

Manufacturing 6.7%

Retail trade 5.3%

Other services 4.9%

Transportation & utilities 4.4%

Public administration 4.2%

Information 4.1%

Construction 3.9%

Wholesale trade 0.7%

Occupation

Category	%
Management, business & arts	28.1%
Service	22.5%
Sales & office	26.0%
Natural resources & construction	5.4%
Production & transportation	18.0%

Employment type

Type	%
Private sector	75.4%
Government	14.7%
Self-employed	9.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	71.9%
Carpool	8.0%
Public transit	0.0%
Walk	1.2%
Work from home	18.9%
Other means	0.0%
Avg commute (minutes)	19.9

Poverty

All people 8.3%

Under 18 years 18.7%

18 and over 7.8%

Married-couple families 3.2%

Female-led households 26.2%

Income support

Source	% of households
Social Security	81.0%
Retirement income	67.5%
Supplemental Security	3.3%
Cash public assistance	0.1%
Food stamps / SNAP	4.6%

Health indicators

Condition	%
Obesity	33.0%
High blood pressure	57.1%
High cholesterol	49.9%
Diabetes	19.5%
Heart disease	14.4%
Stroke	5.7%
Asthma	8.9%
Arthritis	47.2%
Kidney disease	5.2%
Pulmonary disease	12.6%
Cancer	14.5%

Behavior / access	%
Smoking	13.0%
Binge drinking	6.8%
No physical activity	25.3%
Less than 7 hrs sleep	27.7%
Depression	20.7%
Fair or poor health	18.6%
Poor mental health	10.8%
Poor physical health	13.4%
No health insurance	10.5%
Visited doctor (checkup)	85.7%
Visited dentist	66.6%
Cholesterol screening	97.4%
Teeth loss	13.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,708	18.9%

Disability	%
Any disability	23.1%
Under 18	0.0%
18–64 years	15.7%
65 and over	28.1%

Health insurance coverage

Type	%
Private insurance	67.9%
Public insurance	76.5%
No insurance	2.7%
Uninsured under 19	4.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	9,337	98.6%
Spanish	55	0.6%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	55	0.6%

Place of birth & citizenship

Origin	Count	%
Native born (US)	9,313	98.3%
Born in same state	9,236	97.5%
Born in different state	1,577	16.7%
Foreign born	77	0.8%
Naturalized citizen	157	1.7%
Not a US citizen	93	59.2%

Ancestry

Ancestry	Count	%
French	2,706	28.6%
Italian	1,389	14.7%
Arab	824	8.7%
English	131	1.4%
Polish	95	1%

Ancestry	Count	%
Irish	89	0.9%
German	66	0.7%
Norwegian	41	0.4%
Dutch	41	0.4%

Technology access

Metric	% of households
Computer access	50.7%
Internet access	94.8%

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

Frequently asked questions about ZIP code 38558

What city is ZIP code 38558 in?

ZIP code 38558 is primarily assigned to Crossville, Tennessee.

What county is ZIP code 38558 in?

ZIP code 38558 falls within Cumberland County, Tennessee.

Does ZIP code 38558 have an older population?

66% of residents in ZIP code 38558 are 65 or older, above the national average of ~17%.

Does ZIP code 38558 have a large retiree population?

81% of households in ZIP code 38558 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 38558 mostly owner-occupied?

89% of occupied units in ZIP code 38558 are owner-occupied, well above the national average.

Does ZIP code 38558 have a large veteran population?

19% of civilians in ZIP code 38558 are veterans, above the national average of ~7%.

What timezone is ZIP code 38558 in?

ZIP code 38558 observes the CST timezone.