38570 ZIP Code — Livingston, TN

Overton County, Tennessee

ZIP code 38570 is located in Livingston, Tennessee, within Overton County. It covers approximately 118.85 square miles and serves a population of 10,113 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 931.

About ZIP code 38570

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $141,200. Owner-occupancy is high at 78%, well above the national average.

The gap between median ($37,761) and mean household income suggests income inequality — a small number of higher earners pull the average up. Poverty affects 19% of residents, above the national average. 46% 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 25 minutes is near the national average.

College attainment at 13% 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.

Overall, ZIP code 38570 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, high homeownership, and a significant Social Security-dependent population.

10,113

population

118.85

sq mi land

Standard

ZIP type

Central (CT)

timezone

38570 ZIP code map

Cities in ZIP code 38570

Below are the cities the US Postal Service accepts for ZIP code 38570. Using any city not on this list may result in mail delivery delays.

City	Status
Livingston	Preferred

Nearby ZIP codes

38580 Rickman (6.4 mi) 38543 Alpine (8.2 mi) 38573 Monroe (9.4 mi) 38568 Hilham (9.4 mi) 38541 Allons (10 mi) 38554 Crawford (11.8 mi) 38549 Byrdstown (13.6 mi) 38551 Celina (14.1 mi) 38589 Wilder (14.2 mi) 38506 Cookeville (14.8 mi) 38501 Cookeville (15.9 mi) 38574 Monterey (17.2 mi)

Demographics updated 05/2026

Population
Total population	10,113
Population density	85 / sq mi
State FIPS	47
County FIPS	133

Geography
Land area	118.85 sq mi
Water area	0.09 sq mi
Latitude	36.3749
Longitude	-85.3074
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	65.9%	62.1%	45.7%
$50k – $100k	22.4%	24.0%	30.9%
$100k – $200k	10.1%	11.7%	18.3%
Over $200k	1.5%	2.2%	5.1%

Demographics & statistics

10,113

Population

People per sq mi

43.8

Median age

$37,761

Median household income

$29,270

Per capita income

$141,200

Median home value

$779

Median monthly rent

78.3%

Home ownership

19.3%

Poverty rate

3.6%

Unemployment

3,847

Housing units

12.7%

Bachelor's or higher

Age distribution

Male Female

217

Under 5

256

260

5–9

307

300

10–14

355

305

15–19

361

212

20–24

251

595

25–34

702

482

35–44

570

645

45–54

762

261

55–59

309

315

60–64

372

620

65–74

733

321

75–84

380

102

85+

120

← Male

Female →

Age summary

Group	Count	%
Under 18	2,086	20.6%
18 and over	8,027	79.4%
65 and over	2,276	22.5%
Median age	43.8 years

Race & ethnicity

White 93.2%

Black or African American 2.6%

Two or more races 2%

Hispanic or Latino 1.2%

Asian 0.6%

American Indian / Alaska Native 0.3%

Other race 0.1%

Group	Count	%
White	9,539	93.2%
Black or African American	267	2.6%
Two or more races	208	2%
Hispanic or Latino	127	1.2%
Asian	57	0.6%
American Indian / Alaska Native	27	0.3%
Other race	15	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	65.9%	62.1%	45.7%
$50k – $100k	22.4%	24.0%	30.9%
$100k – $200k	10.1%	11.7%	18.3%
Over $200k	1.5%	2.2%	5.1%

Under $10k 7.7%

$10k–$15k 10.6%

$15k–$25k 8.5%

$25k–$35k 15.4%

$35k–$50k 17.2%

$50k–$75k 11.7%

$75k–$100k 10.3%

$100k–$150k 11.7%

$150k–$200k 3.6%

$200k+ 3.4%

Range	% of households
Under $10k	7.7%
$10k–$15k	10.6%
$15k–$25k	8.5%
$25k–$35k	15.4%
$35k–$50k	17.2%
$50k–$75k	11.7%
$75k–$100k	10.3%
$100k–$150k	11.7%
$150k–$200k	3.6%
$200k+	3.4%
Median income	$37,761

Housing

Home values

Under $50k 13.4%

$50k–$100k 18.9%

$100k–$150k 20.4%

$150k–$200k 11.3%

$200k–$300k 18.7%

$300k–$500k 11.7%

$500k–$1M 5.0%

$1M+ 0.6%

Housing overview

Metric	Value
Median home value	$141,200
Median rent / month	$779
Owner occupied	78.3%
Renter occupied	21.7%
Vacant	14.3%
Single-family detached	78.4%
Large apartment buildings	0.1%
Mobile homes	17.2%
Median rooms	5.5
Avg household size (owned)	2.36

Year built

Era	%
2020 or later	0.0%
2010–2019	5.7%
2000–2009	10.0%
1990–1999	17.0%
1980–1989	12.7%
1970–1979	17.9%
1960–1969	14.5%
1950–1959	8.1%
1940–1949	5.2%
1939 or earlier	8.8%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	3.6%
2 bedrooms	25.6%
3 bedrooms	55.1%
4 bedrooms	13.3%
5+ bedrooms	2.4%

Vehicles per household

Vehicles	% of households
No vehicle	5.0%
1 vehicle	30.6%
2 vehicles	30.1%
3 or more	34.2%

Heating fuel

Fuel type	%
Utility gas	18.8%
Electricity	66.6%
Propane / LP gas	8.9%
Wood	4.9%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	1,773	43.8%
Cohabiting couple	108	2.7%
Male householder, no spouse	738	18.2%
Female householder, no spouse	1,427	35.3%
Households with children under 18	1,216	30.1%
Households with seniors (65+)	1,684	41.6%
Average household size	2.44

Marital status

Status	Male	Female
Never married	26.8%	20.5%
Married	53.5%	40.0%
Separated	1.6%	3.6%
Widowed	1.8%	17.4%
Divorced	16.4%	18.4%

Education

Less than 9th grade 5.8%

Some HS, no diploma 9.6%

HS graduate 47.5%

Some college, no degree 18.4%

Associate's degree 5.9%

Bachelor's degree 8.8%

Graduate / professional 3.9%

Metric	%
HS diploma or higher	84.5%
Bachelor's or higher	12.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	135	6.8%
Kindergarten	136	6.8%
Elementary school	895	44.9%
High school	524	26.3%
College / grad school	303	15.2%

Employment

Industry of employment

Education & healthcare 19.5%

Manufacturing 17.2%

Retail trade 12.3%

Construction 9.7%

Arts, food & hospitality 8.7%

Transportation & utilities 6.3%

Professional & management 5.4%

Other services 4.8%

Finance & real estate 4.0%

Agriculture & mining 3.9%

Public administration 3.6%

Information 3.3%

Wholesale trade 1.4%

Occupation

Category	%
Management, business & arts	27.0%
Service	15.2%
Sales & office	21.3%
Natural resources & construction	16.0%
Production & transportation	20.4%

Employment type

Type	%
Private sector	78.9%
Government	9.6%
Self-employed	10.3%
Unpaid family workers	1.1%

Commute

Method	%
Drive alone	81.3%
Carpool	10.7%
Public transit	0.2%
Walk	0.8%
Work from home	5.9%
Other means	1.1%
Avg commute (minutes)	24.7

Poverty

All people 19.3%

Under 18 years 20.4%

18 and over 19.0%

Married-couple families 10.7%

Female-led households 30.2%

Income support

Source	% of households
Social Security	45.6%
Retirement income	23.9%
Supplemental Security	7.2%
Cash public assistance	1.3%
Food stamps / SNAP	13.0%

Health indicators

Condition	%
Obesity	39.6%
High blood pressure	44.0%
High cholesterol	39.1%
Diabetes	14.8%
Heart disease	9.4%
Stroke	4.6%
Asthma	11.2%
Arthritis	35.5%
Kidney disease	3.9%
Pulmonary disease	12.6%
Cancer	7.6%

Behavior / access	%
Smoking	27.7%
Binge drinking	13.2%
No physical activity	31.4%
Less than 7 hrs sleep	35.4%
Depression	28.5%
Fair or poor health	22.5%
Poor mental health	18.3%
Poor physical health	15.3%
No health insurance	19.3%
Visited doctor (checkup)	76.3%
Visited dentist	50.5%
Cholesterol screening	89.2%
Teeth loss	24.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	470	5.9%

Disability	%
Any disability	20.5%
Under 18	8.8%
18–64 years	16.5%
65 and over	41.9%

Health insurance coverage

Type	%
Private insurance	62.5%
Public insurance	49.7%
No insurance	7.6%
Uninsured under 19	6.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	9,640	95.3%
Spanish	87	0.9%
Other Indo-European	77	0.8%
Asian & Pacific Islander	0	0.0%
Other languages	10	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	10,004	98.9%
Born in same state	9,994	98.8%
Born in different state	7,550	74.7%
Foreign born	10	0.1%
Naturalized citizen	109	1.1%
Not a US citizen	73	67.0%

Ancestry

Ancestry	Count	%
Arab	2,388	23.6%
French	1,237	12.2%
Italian	655	6.5%
English	27	0.3%

Ancestry	Count	%
Polish	27	0.3%
Dutch	10	0.1%
Norwegian	8	0.1%
German	7	0.1%

Technology access

Metric	% of households
Computer access	40.0%
Internet access	83.1%

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

Frequently asked questions about ZIP code 38570

What city is ZIP code 38570 in?

ZIP code 38570 is primarily assigned to Livingston, Tennessee.

What county is ZIP code 38570 in?

ZIP code 38570 falls within Overton County, Tennessee.

Does ZIP code 38570 have a large retiree population?

46% of households in ZIP code 38570 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 38570?

13% 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 38570?

19% of residents in ZIP code 38570 live below the poverty line, above the national average.

What is the typical home value in ZIP code 38570?

The median home value in ZIP code 38570 is $141,200.

What timezone is ZIP code 38570 in?

ZIP code 38570 observes the CST timezone.