38028 ZIP Code — Eads, TN

Shelby County, Tennessee

ZIP code 38028 is located in Eads, Tennessee, within Shelby County. It covers approximately 59.16 square miles and serves a population of 7,576 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 901.

About ZIP code 38028

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 $438,100. Owner-occupancy is high at 96%, well above the national average.

The gap between median ($136,779) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 5% is below the national average. 41% 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 29 minutes is near the national average.

Educational attainment is near the national average, with 40% of residents holding a bachelor's degree or higher.

Overall, ZIP code 38028 reflects a community defined by high homeownership and a significant Social Security-dependent population.

7,576

population

59.16

sq mi land

Standard

ZIP type

Central (CT)

timezone

38028 ZIP code map

Cities in ZIP code 38028

Below are the cities the US Postal Service accepts for ZIP code 38028. Using any city not on this list may result in mail delivery delays.

City	Status
Eads	Preferred

Nearby ZIP codes

38017 Collierville (6.1 mi) 38016 Cordova (6.8 mi) 38018 Cordova (7.7 mi) 38133 Memphis (8.5 mi) 38060 Oakland (8.7 mi) 38060 Oakland (8.7 mi) 38002 Arlington (8.9 mi) 38066 Rossville (9.2 mi) 38139 Germantown (9.3 mi) 38139 Germantown (9.3 mi) 38138 Germantown (10.5 mi) 38138 Germantown (10.5 mi)

Demographics updated 05/2026

Population
Total population	7,576
Population density	128 / sq mi
State FIPS	47
County FIPS	157

Geography
Land area	59.16 sq mi
Water area	0.24 sq mi
Latitude	35.1788
Longitude	-89.6467
Timezone	Central (CT)
Area code	901

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	20.4%	48.0%	45.7%
$50k – $100k	18.7%	27.7%	30.9%
$100k – $200k	29.5%	17.7%	18.3%
Over $200k	31.3%	6.5%	5.1%

Demographics & statistics

7,576

Population

128

People per sq mi

49.6

Median age

$136,779

Median household income

$73,950

Per capita income

$438,100

Median home value

$1,305

Median monthly rent

95.6%

Home ownership

5.3%

Poverty rate

0.9%

Unemployment

2,861

Housing units

40.3%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

112

10–14

103

379

15–19

346

204

20–24

187

150

25–34

137

803

35–44

733

422

45–54

386

407

55–59

372

337

60–64

307

553

65–74

505

295

75–84

270

109

85+

100

← Male

Female →

Age summary

Group	Count	%
Under 18	1,127	14.9%
18 and over	6,449	85.1%
65 and over	1,832	24.2%
Median age	49.6 years

Race & ethnicity

White 65%

Black or African American 24.4%

Hispanic or Latino 4.1%

Other race 3%

Two or more races 2.8%

Asian 0.7%

Group	Count	%
White	5,135	65%
Black or African American	1,926	24.4%
Hispanic or Latino	326	4.1%
Other race	237	3%
Two or more races	222	2.8%
Asian	56	0.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	20.4%	48.0%	45.7%
$50k – $100k	18.7%	27.7%	30.9%
$100k – $200k	29.5%	17.7%	18.3%
Over $200k	31.3%	6.5%	5.1%

Under $10k 7.3%

$10k–$15k 0.3%

$15k–$25k 2.6%

$25k–$35k 2.6%

$35k–$50k 6.0%

$50k–$75k 10.4%

$75k–$100k 8.2%

$100k–$150k 19.1%

$150k–$200k 10.7%

$200k+ 32.8%

Range	% of households
Under $10k	7.3%
$10k–$15k	0.3%
$15k–$25k	2.6%
$25k–$35k	2.6%
$35k–$50k	6.0%
$50k–$75k	10.4%
$75k–$100k	8.2%
$100k–$150k	19.1%
$150k–$200k	10.7%
$200k+	32.8%
Median income	$136,779

Housing

Home values

Under $50k 1.3%

$50k–$100k 0.3%

$100k–$150k 8.7%

$150k–$200k 3.2%

$200k–$300k 11.1%

$300k–$500k 43.2%

$500k–$1M 23.3%

$1M+ 8.9%

Housing overview

Metric	Value
Median home value	$438,100
Median rent / month	$1,305
Owner occupied	95.6%
Renter occupied	4.4%
Vacant	2.3%
Single-family detached	96.9%
Large apartment buildings	0.0%
Mobile homes	2.7%
Median rooms	10.0
Avg household size (owned)	2.59

Year built

Era	%
2020 or later	0.0%
2010–2019	10.2%
2000–2009	29.2%
1990–1999	29.0%
1980–1989	11.4%
1970–1979	7.2%
1960–1969	1.6%
1950–1959	4.6%
1940–1949	0.6%
1939 or earlier	6.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	4.6%
2 bedrooms	6.3%
3 bedrooms	31.0%
4 bedrooms	40.0%
5+ bedrooms	18.2%

Vehicles per household

Vehicles	% of households
No vehicle	0.2%
1 vehicle	13.2%
2 vehicles	36.1%
3 or more	50.5%

Heating fuel

Fuel type	%
Utility gas	68.6%
Electricity	27.6%
Propane / LP gas	2.8%
Wood	0.6%

Households & families

Household type	Count	%
Married-couple family	2,121	72.6%
Cohabiting couple	41	1.4%
Male householder, no spouse	426	14.6%
Female householder, no spouse	335	11.5%
Households with children under 18	869	29.7%
Households with seniors (65+)	1,217	41.6%
Average household size	2.59

Marital status

Status	Male	Female
Never married	24.5%	23.7%
Married	62.5%	58.9%
Separated	0.0%	0.0%
Widowed	4.3%	8.5%
Divorced	8.6%	8.8%

Education

Less than 9th grade 2.4%

Some HS, no diploma 2.4%

HS graduate 25.4%

Some college, no degree 22.7%

Associate's degree 6.8%

Bachelor's degree 23.1%

Graduate / professional 17.2%

Metric	%
HS diploma or higher	95.2%
Bachelor's or higher	40.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	61	4.4%
Kindergarten	18	1.3%
Elementary school	293	21.2%
High school	657	47.6%
College / grad school	351	25.4%

Employment

Industry of employment

Education & healthcare 23.7%

Professional & management 21.3%

Retail trade 12.5%

Transportation & utilities 9.6%

Manufacturing 7.5%

Construction 6.9%

Other services 6.9%

Arts, food & hospitality 4.1%

Finance & real estate 3.2%

Public administration 1.9%

Wholesale trade 1.0%

Agriculture & mining 0.7%

Information 0.5%

Occupation

Category	%
Management, business & arts	57.2%
Service	9.4%
Sales & office	17.1%
Natural resources & construction	4.5%
Production & transportation	11.9%

Employment type

Type	%
Private sector	67.7%
Government	10.3%
Self-employed	22.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	87.7%
Carpool	1.4%
Public transit	0.0%
Walk	0.3%
Work from home	10.7%
Other means	0.0%
Avg commute (minutes)	28.8

Poverty

All people 5.3%

Under 18 years 3.8%

18 and over 5.6%

Married-couple families 3.1%

Female-led households 5.0%

Income support

Source	% of households
Social Security	41.2%
Retirement income	31.9%
Supplemental Security	5.0%
Cash public assistance	0.0%
Food stamps / SNAP	3.5%

Health indicators

Condition	%
Obesity	34.5%
High blood pressure	38.8%
High cholesterol	38.1%
Diabetes	12.1%
Heart disease	6.8%
Stroke	3.1%
Asthma	9.7%
Arthritis	29.7%
Kidney disease	2.9%
Pulmonary disease	7.5%
Cancer	7.4%

Behavior / access	%
Smoking	17.7%
Binge drinking	13.9%
No physical activity	21.5%
Less than 7 hrs sleep	31.9%
Depression	23.9%
Fair or poor health	14.1%
Poor mental health	14.3%
Poor physical health	10.4%
No health insurance	13.0%
Visited doctor (checkup)	76.9%
Visited dentist	65.2%
Cholesterol screening	93.6%
Teeth loss	12.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	682	10.6%

Disability	%
Any disability	12.9%
Under 18	0.5%
18–64 years	11.2%
65 and over	24.7%

Health insurance coverage

Type	%
Private insurance	78.5%
Public insurance	28.6%
No insurance	7.4%
Uninsured under 19	3.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	7,396	97.6%
Spanish	213	2.9%
Other Indo-European	189	2.6%
Asian & Pacific Islander	11	0.1%
Other languages	13	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	7,170	94.6%
Born in same state	7,117	93.9%
Born in different state	3,882	51.2%
Foreign born	53	0.7%
Naturalized citizen	406	5.4%
Not a US citizen	98	24.1%

Ancestry

Ancestry	Count	%
French	1,102	14.5%
Italian	786	10.4%
Arab	592	7.8%

Ancestry	Count	%
English	39	0.5%
Polish	36	0.5%
Dutch	10	0.1%

Technology access

Metric	% of households
Computer access	38.6%
Internet access	95.6%

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

Frequently asked questions about ZIP code 38028

What city is ZIP code 38028 in?

ZIP code 38028 is primarily assigned to Eads, Tennessee.

What county is ZIP code 38028 in?

ZIP code 38028 falls within Fayette County, Tennessee.

Is ZIP code 38028 mostly owner-occupied?

96% of occupied units in ZIP code 38028 are owner-occupied, well above the national average.

Does ZIP code 38028 have a large retiree population?

41% of households in ZIP code 38028 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 38028 have a large veteran population?

11% of civilians in ZIP code 38028 are veterans, above the national average of ~7%.

What is the median household income in ZIP code 38028?

The median household income in ZIP code 38028 is $136,779, above the national median of ~$75,000.

What timezone is ZIP code 38028 in?

ZIP code 38028 observes the CST timezone.