38562 ZIP Code — Gainesboro, TN

Jackson County, Tennessee

ZIP code 38562 is located in Gainesboro, Tennessee, within Jackson County. It covers approximately 139.94 square miles and serves a population of 6,681 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 931.

About ZIP code 38562

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $127,700. Owner-occupancy is high at 82%, well above the national average.

Median household income is $39,402. Poverty affects 23% of residents, above the national average. SNAP benefit usage at 22% of households reflects economic stress in the area. 45% 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 28 minutes is near the national average.

College attainment at 11% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (28%) compared to national benchmarks.

Notable community characteristics include disability rates above the national average at 27%.

Overall, ZIP code 38562 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, high homeownership, a significant Social Security-dependent population, and elevated reliance on food assistance.

6,681

population

139.94

sq mi land

Standard

ZIP type

Central (CT)

timezone

38562 ZIP code map

Cities in ZIP code 38562

Below are the cities the US Postal Service accepts for ZIP code 38562. Using any city not on this list may result in mail delivery delays.

City	Status
Gainesboro	Preferred

Nearby ZIP codes

38564 Granville (7.4 mi) 38588 Whitleyville (7.9 mi) 38545 Bloomington Springs (8.6 mi) 38501 Cookeville (10.7 mi) 38568 Hilham (12.1 mi) 37145 Pleasant Shade (12.8 mi) 37150 Red Boiling Springs (13.4 mi) 38552 Chestnut Mound (13.8 mi) 38575 Moss (14 mi) 38560 Elmwood (14.4 mi) 38548 Buffalo Valley (14.4 mi) 38505 Cookeville (15.7 mi)

Demographics updated 05/2026

Population
Total population	6,681
Population density	48 / sq mi
State FIPS	47
County FIPS	087

Geography
Land area	139.94 sq mi
Water area	8.52 sq mi
Latitude	36.3576
Longitude	-85.6731
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	62.3%	63.9%	45.7%
$50k – $100k	29.6%	27.1%	30.9%
$100k – $200k	7.7%	8.4%	18.3%
Over $200k	0.5%	0.7%	5.1%

Demographics & statistics

6,681

Population

People per sq mi

46.5

Median age

$39,402

Median household income

$23,472

Per capita income

$127,700

Median home value

$733

Median monthly rent

81.9%

Home ownership

23.2%

Poverty rate

8.1%

Unemployment

2,813

Housing units

11.3%

Bachelor's or higher

Age distribution

Male Female

168

Under 5

162

206

5–9

198

121

10–14

117

183

15–19

177

183

20–24

177

341

25–34

329

428

35–44

411

450

45–54

434

274

55–59

264

364

60–64

350

475

65–74

457

150

75–84

145

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,234	18.5%
18 and over	5,447	81.5%
65 and over	1,344	20.1%
Median age	46.5 years

Race & ethnicity

White 94.7%

Two or more races 2.2%

Hispanic or Latino 1.4%

Black or African American 0.8%

Other race 0.5%

American Indian / Alaska Native 0.2%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	6,422	94.7%
Two or more races	150	2.2%
Hispanic or Latino	98	1.4%
Black or African American	52	0.8%
Other race	35	0.5%
American Indian / Alaska Native	16	0.2%
Native Hawaiian / Pacific Islander	6	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	62.3%	63.9%	45.7%
$50k – $100k	29.6%	27.1%	30.9%
$100k – $200k	7.7%	8.4%	18.3%
Over $200k	0.5%	0.7%	5.1%

Under $10k 12.1%

$10k–$15k 7.3%

$15k–$25k 14.9%

$25k–$35k 12.3%

$35k–$50k 11.6%

$50k–$75k 11.9%

$75k–$100k 12.4%

$100k–$150k 13.7%

$150k–$200k 2.2%

$200k+ 1.7%

Range	% of households
Under $10k	12.1%
$10k–$15k	7.3%
$15k–$25k	14.9%
$25k–$35k	12.3%
$35k–$50k	11.6%
$50k–$75k	11.9%
$75k–$100k	12.4%
$100k–$150k	13.7%
$150k–$200k	2.2%
$200k+	1.7%
Median income	$39,402

Housing

Home values

Under $50k 23.9%

$50k–$100k 15.2%

$100k–$150k 19.1%

$150k–$200k 19.6%

$200k–$300k 12.6%

$300k–$500k 8.2%

$500k–$1M 0.6%

$1M+ 0.7%

Housing overview

Metric	Value
Median home value	$127,700
Median rent / month	$733
Owner occupied	81.9%
Renter occupied	18.1%
Vacant	22.1%
Single-family detached	68.3%
Large apartment buildings	1.6%
Mobile homes	25.5%
Median rooms	5.3
Avg household size (owned)	2.53

Year built

Era	%
2020 or later	0.6%
2010–2019	6.1%
2000–2009	9.0%
1990–1999	21.6%
1980–1989	21.7%
1970–1979	13.9%
1960–1969	10.4%
1950–1959	6.5%
1940–1949	4.8%
1939 or earlier	5.3%

Bedrooms

Size	% of units
No bedroom (studio)	2.0%
1 bedroom	7.7%
2 bedrooms	26.1%
3 bedrooms	53.1%
4 bedrooms	7.5%
5+ bedrooms	3.5%

Vehicles per household

Vehicles	% of households
No vehicle	9.7%
1 vehicle	19.7%
2 vehicles	36.6%
3 or more	34.0%

Heating fuel

Fuel type	%
Utility gas	8.0%
Electricity	71.9%
Propane / LP gas	12.9%
Fuel oil	0.7%
Wood	6.5%

Households & families

Household type	Count	%
Married-couple family	1,242	48.7%
Cohabiting couple	144	5.6%
Male householder, no spouse	544	21.3%
Female householder, no spouse	621	24.3%
Households with children under 18	639	25.0%
Households with seniors (65+)	1,039	40.7%
Average household size	2.54

Marital status

Status	Male	Female
Never married	31.8%	21.2%
Married	43.6%	44.4%
Separated	0.6%	1.8%
Widowed	6.9%	15.1%
Divorced	17.1%	17.5%

Education

Less than 9th grade 7.6%

Some HS, no diploma 10.8%

HS graduate 49.4%

Some college, no degree 15.3%

Associate's degree 5.5%

Bachelor's degree 8.5%

Graduate / professional 2.8%

Metric	%
HS diploma or higher	81.6%
Bachelor's or higher	11.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	19	1.7%
Kindergarten	136	12.0%
Elementary school	460	40.7%
High school	313	27.7%
College / grad school	202	17.9%

Employment

Industry of employment

Manufacturing 23.1%

Education & healthcare 19.5%

Retail trade 13.7%

Construction 8.4%

Transportation & utilities 8.1%

Professional & management 6.6%

Arts, food & hospitality 6.5%

Public administration 4.3%

Agriculture & mining 2.6%

Finance & real estate 2.2%

Other services 1.9%

Wholesale trade 1.7%

Information 1.5%

Occupation

Category	%
Management, business & arts	21.4%
Service	16.3%
Sales & office	18.5%
Natural resources & construction	13.6%
Production & transportation	30.3%

Employment type

Type	%
Private sector	75.6%
Government	16.9%
Self-employed	7.5%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	82.3%
Carpool	10.4%
Public transit	0.2%
Walk	0.3%
Work from home	6.0%
Other means	0.8%
Avg commute (minutes)	28.2

Poverty

All people 23.2%

Under 18 years 27.0%

18 and over 22.3%

Married-couple families 6.6%

Female-led households 54.3%

Income support

Source	% of households
Social Security	45.1%
Retirement income	27.3%
Supplemental Security	8.6%
Cash public assistance	2.3%
Food stamps / SNAP	22.0%

Health indicators

Condition	%
Obesity	38.6%
High blood pressure	44.1%
High cholesterol	39.1%
Diabetes	15.0%
Heart disease	9.5%
Stroke	4.6%
Asthma	11.0%
Arthritis	34.8%
Kidney disease	3.8%
Pulmonary disease	12.7%
Cancer	7.6%

Behavior / access	%
Smoking	27.7%
Binge drinking	13.2%
No physical activity	30.0%
Less than 7 hrs sleep	35.1%
Depression	27.8%
Fair or poor health	22.1%
Poor mental health	18.0%
Poor physical health	15.1%
No health insurance	19.0%
Visited doctor (checkup)	75.5%
Visited dentist	52.8%
Cholesterol screening	89.7%
Teeth loss	23.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	473	8.7%

Disability	%
Any disability	27.1%
Under 18	7.5%
18–64 years	28.6%
65 and over	41.1%

Health insurance coverage

Type	%
Private insurance	56.9%
Public insurance	49.6%
No insurance	11.1%
Uninsured under 19	4.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	6,351	95.1%
Spanish	93	1.5%
Other Indo-European	75	1.2%
Asian & Pacific Islander	18	0.3%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	6,653	99.6%
Born in same state	6,631	99.3%
Born in different state	4,300	64.4%
Foreign born	22	0.3%
Naturalized citizen	28	0.4%
Not a US citizen	5	17.9%

Ancestry

Ancestry	Count	%
Arab	1,126	16.9%
French	1,087	16.3%
Italian	758	11.3%

Ancestry	Count	%
German	49	0.7%
English	30	0.4%
Irish	17	0.3%

Technology access

Metric	% of households
Computer access	38.2%
Internet access	82.0%

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

Frequently asked questions about ZIP code 38562

What city is ZIP code 38562 in?

ZIP code 38562 is primarily assigned to Gainesboro, Tennessee.

What county is ZIP code 38562 in?

ZIP code 38562 falls within Jackson County, Tennessee.

What is the poverty rate in ZIP code 38562?

23% of residents in ZIP code 38562 live below the poverty line, above the national average.

How educated is the population of ZIP code 38562?

11% 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 38562 have a large retiree population?

45% of households in ZIP code 38562 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 38562 mostly owner-occupied?

82% of occupied units in ZIP code 38562 are owner-occupied, well above the national average.

What timezone is ZIP code 38562 in?

ZIP code 38562 observes the CST timezone.