38560 ZIP Code — Elmwood, TN

Smith County, Tennessee

ZIP code 38560 is located in Elmwood, Tennessee, within Smith County. It covers approximately 32.97 square miles and serves a population of 1,531 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 615.

About ZIP code 38560

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $177,600. Owner-occupancy sits near the national average at 71%.

Median household income is $58,068. Poverty affects 21% of residents, above the national average. 31% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is production, transportation, and material moving, with education and healthcare as the leading industry. An above-average commute of 48 minutes suggests many residents work outside the immediate area.

College attainment at 10% 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.

Overall, ZIP code 38560 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, and a significant Social Security-dependent population.

1,531

population

32.97

sq mi land

Standard

ZIP type

Central (CT)

timezone

38560 ZIP code map

Cities in ZIP code 38560

Below are the cities the US Postal Service accepts for ZIP code 38560. Using any city not on this list may result in mail delivery delays.

City	Status
Elmwood	Preferred

Nearby ZIP codes

38552 Chestnut Mound (3.2 mi) 38548 Buffalo Valley (5.2 mi) 37030 Carthage (6.7 mi) 38567 Hickman (6.9 mi) 38564 Granville (7.2 mi) 38563 Gordonsville (7.5 mi) 38547 Brush Creek (9 mi) 37145 Pleasant Shade (10.2 mi) 38582 Silver Point (10.7 mi) 38545 Bloomington Springs (10.8 mi) 37151 Riddleton (12 mi) 37012 Alexandria (13 mi)

Demographics updated 05/2026

Population
Total population	1,531
Population density	46 / sq mi
State FIPS	47
County FIPS	159

Geography
Land area	32.97 sq mi
Water area	3.81 sq mi
Latitude	36.2234
Longitude	-85.8703
Timezone	Central (CT)
Area code	615

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	51.0%	53.4%	45.7%
$50k – $100k	32.5%	28.9%	30.9%
$100k – $200k	15.2%	14.5%	18.3%
Over $200k	1.3%	3.2%	5.1%

Demographics & statistics

1,531

Population

People per sq mi

38.2

Median age

$58,068

Median household income

$21,925

Per capita income

$177,600

Median home value

$828

Median monthly rent

70.8%

Home ownership

21.1%

Poverty rate

7.2%

Unemployment

450

Housing units

10.3%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

124

10–14

109

15–19

20–24

25–34

133

35–44

118

151

45–54

134

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	429	28.0%
18 and over	1,102	72.0%
65 and over	179	11.7%
Median age	38.2 years

Race & ethnicity

White 94.7%

Two or more races 2.5%

Asian 1.6%

Hispanic or Latino 1%

Other race 0.2%

Group	Count	%
White	1,465	94.7%
Two or more races	39	2.5%
Asian	24	1.6%
Hispanic or Latino	16	1%
Other race	3	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	51.0%	53.4%	45.7%
$50k – $100k	32.5%	28.9%	30.9%
$100k – $200k	15.2%	14.5%	18.3%
Over $200k	1.3%	3.2%	5.1%

Under $10k 3.9%

$10k–$15k 3.0%

$15k–$25k 15.5%

$25k–$35k 7.6%

$35k–$50k 15.3%

$50k–$75k 19.9%

$75k–$100k 10.6%

$100k–$150k 15.3%

$150k–$200k 3.9%

$200k+ 4.9%

Range	% of households
Under $10k	3.9%
$10k–$15k	3.0%
$15k–$25k	15.5%
$25k–$35k	7.6%
$35k–$50k	15.3%
$50k–$75k	19.9%
$75k–$100k	10.6%
$100k–$150k	15.3%
$150k–$200k	3.9%
$200k+	4.9%
Median income	$58,068

Housing

Home values

$50k–$100k 23.5%

$100k–$150k 19.9%

$150k–$200k 12.1%

$200k–$300k 26.1%

$300k–$500k 9.5%

$500k–$1M 4.6%

$1M+ 4.2%

Housing overview

Metric	Value
Median home value	$177,600
Median rent / month	$828
Owner occupied	70.8%
Renter occupied	29.2%
Vacant	25.0%
Single-family detached	82.8%
Large apartment buildings	0.0%
Mobile homes	15.6%
Median rooms	6.0
Avg household size (owned)	3.82

Year built

Era	%
2020 or later	1.4%
2010–2019	4.5%
2000–2009	16.8%
1990–1999	16.1%
1980–1989	18.8%
1970–1979	8.3%
1960–1969	14.1%
1950–1959	7.6%
1940–1949	1.2%
1939 or earlier	11.1%

Bedrooms

Size	% of units
No bedroom (studio)	3.0%
1 bedroom	5.7%
2 bedrooms	17.0%
3 bedrooms	56.9%
4 bedrooms	9.7%
5+ bedrooms	7.6%

Vehicles per household

Vehicles	% of households
No vehicle	3.2%
1 vehicle	31.0%
2 vehicles	24.5%
3 or more	41.2%

Heating fuel

Fuel type	%
Utility gas	6.7%
Electricity	77.5%
Propane / LP gas	14.8%
Wood	0.9%

Households & families

Household type	Count	%
Married-couple family	251	58.1%
Cohabiting couple	36	8.3%
Male householder, no spouse	89	20.6%
Female householder, no spouse	56	13.0%
Households with children under 18	149	34.5%
Households with seniors (65+)	131	30.3%
Average household size	3.54

Marital status

Status	Male	Female
Never married	47.5%	24.9%
Married	36.3%	58.9%
Separated	3.0%	1.5%
Widowed	3.9%	3.3%
Divorced	9.3%	11.5%

Education

Less than 9th grade 6.8%

Some HS, no diploma 10.2%

HS graduate 41.1%

Some college, no degree 17.2%

Associate's degree 14.4%

Bachelor's degree 7.7%

Graduate / professional 2.7%

Metric	%
HS diploma or higher	83.0%
Bachelor's or higher	10.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	8	1.7%
Kindergarten	17	3.7%
Elementary school	261	56.9%
High school	143	31.2%
College / grad school	30	6.5%

Employment

Industry of employment

Education & healthcare 32.6%

Manufacturing 26.6%

Arts, food & hospitality 10.3%

Professional & management 6.0%

Other services 6.0%

Construction 4.6%

Retail trade 4.6%

Finance & real estate 4.6%

Transportation & utilities 1.4%

Public administration 1.4%

Agriculture & mining 1.0%

Wholesale trade 0.9%

Occupation

Category	%
Management, business & arts	19.0%
Service	24.2%
Sales & office	23.3%
Natural resources & construction	7.5%
Production & transportation	25.9%

Employment type

Type	%
Private sector	84.6%
Government	13.4%
Self-employed	2.1%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	84.4%
Carpool	6.8%
Public transit	0.0%
Walk	0.0%
Work from home	7.5%
Other means	1.4%
Avg commute (minutes)	47.9

Poverty

All people 21.1%

Under 18 years 22.4%

18 and over 20.6%

Married-couple families 21.1%

Female-led households 45.9%

Income support

Source	% of households
Social Security	31.0%
Retirement income	29.4%
Supplemental Security	17.4%
Cash public assistance	1.9%
Food stamps / SNAP	16.7%

Health indicators

Condition	%
Obesity	38.1%
High blood pressure	38.9%
High cholesterol	35.8%
Diabetes	12.8%
Heart disease	7.7%
Stroke	3.7%
Asthma	11.0%
Arthritis	31.6%
Kidney disease	3.2%
Pulmonary disease	10.6%
Cancer	6.6%

Behavior / access	%
Smoking	27.2%
Binge drinking	14.2%
No physical activity	29.2%
Less than 7 hrs sleep	36.7%
Depression	28.1%
Fair or poor health	19.5%
Poor mental health	18.4%
Poor physical health	13.5%
No health insurance	18.6%
Visited doctor (checkup)	73.5%
Visited dentist	51.5%
Cholesterol screening	89.1%
Teeth loss	21.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	116	10.5%

Disability	%
Any disability	18.3%
Under 18	1.4%
18–64 years	19.2%
65 and over	54.2%

Health insurance coverage

Type	%
Private insurance	50.6%
Public insurance	52.1%
No insurance	9.8%
Uninsured under 19	1.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,500	98.0%
Spanish	15	1.0%
Other Indo-European	14	0.9%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,502	98.1%
Born in same state	1,496	97.7%
Born in different state	1,135	74.1%
Foreign born	6	0.4%
Naturalized citizen	29	1.9%
Not a US citizen	26	89.7%

Ancestry

Ancestry	Count	%
Arab	325	21.2%
Italian	83	5.4%
French	62	4%

Ancestry	Count	%
English	4	0.3%
Irish	1	0.1%

Technology access

Metric	% of households
Computer access	28.2%
Internet access	92.1%

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

Frequently asked questions about ZIP code 38560

What city is ZIP code 38560 in?

ZIP code 38560 is primarily assigned to Elmwood, Tennessee.

What county is ZIP code 38560 in?

ZIP code 38560 falls within Smith County, Tennessee.

How educated is the population of ZIP code 38560?

10% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What is the poverty rate in ZIP code 38560?

21% of residents in ZIP code 38560 live below the poverty line, above the national average.

Does ZIP code 38560 have a large veteran population?

11% of civilians in ZIP code 38560 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 38560?

The median home value in ZIP code 38560 is $177,600.

What timezone is ZIP code 38560 in?

ZIP code 38560 observes the CST timezone.