38469 ZIP Code — Loretto, TN

Lawrence County, Tennessee

ZIP code 38469 is located in Loretto, Tennessee, within Lawrence County. It covers approximately 69.46 square miles and serves a population of 4,347 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 931.

About ZIP code 38469

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $139,500. Owner-occupancy is high at 87%, well above the national average.

Median household income is $56,940. 40% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with manufacturing as the leading industry. The average commute of 27 minutes is near the national average.

College attainment at 17% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (25%) compared to national benchmarks.

Notable community characteristics include disability rates above the national average at 23%.

Overall, ZIP code 38469 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

4,347

population

69.46

sq mi land

Standard

ZIP type

Central (CT)

timezone

38469 ZIP code map

Cities in ZIP code 38469

Below are the cities the US Postal Service accepts for ZIP code 38469. Using any city not on this list may result in mail delivery delays.

City	Status
Loretto	Preferred

Nearby ZIP codes

38481 Saint Joseph (4.7 mi) 38486 Westpoint (8 mi) 38468 Leoma (8.7 mi) 38457 Five Points (8.8 mi) 35648 Lexington (10.2 mi) 38463 Iron City (11.3 mi) 38464 Lawrenceburg (13.3 mi) 35645 Killen (13.3 mi) 35610 Anderson (14.6 mi) 35634 Florence (15.2 mi) 38460 Goodspring (15.6 mi) 38473 Minor Hill (16.8 mi)

Demographics updated 05/2026

Population
Total population	4,347
Population density	63 / sq mi
State FIPS	47
County FIPS	099

Geography
Land area	69.46 sq mi
Water area	0.02 sq mi
Latitude	35.0852
Longitude	-87.4322
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	51.7%	56.9%	45.7%
$50k – $100k	33.9%	28.6%	30.9%
$100k – $200k	13.3%	12.5%	18.3%
Over $200k	1.1%	2.1%	5.1%

Demographics & statistics

4,347

Population

People per sq mi

42.4

Median age

$56,940

Median household income

$28,056

Per capita income

$139,500

Median home value

$663

Median monthly rent

87.4%

Home ownership

14.9%

Poverty rate

5.8%

Unemployment

1,610

Housing units

16.7%

Bachelor's or higher

Age distribution

Male Female

116

Under 5

126

5–9

101

155

10–14

168

169

15–19

183

20–24

263

25–34

284

206

35–44

222

325

45–54

350

129

55–59

138

122

60–64

132

281

65–74

302

104

75–84

113

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,017	23.4%
18 and over	3,330	76.6%
65 and over	881	20.3%
Median age	42.4 years

Race & ethnicity

White 94.8%

Two or more races 3.3%

Hispanic or Latino 1.8%

Group	Count	%
White	4,199	94.8%
Two or more races	148	3.3%
Hispanic or Latino	81	1.8%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	51.7%	56.9%	45.7%
$50k – $100k	33.9%	28.6%	30.9%
$100k – $200k	13.3%	12.5%	18.3%
Over $200k	1.1%	2.1%	5.1%

Under $10k 4.5%

$10k–$15k 5.2%

$15k–$25k 11.5%

$25k–$35k 11.8%

$35k–$50k 10.9%

$50k–$75k 21.6%

$75k–$100k 9.4%

$100k–$150k 14.2%

$150k–$200k 7.8%

$200k+ 3.1%

Range	% of households
Under $10k	4.5%
$10k–$15k	5.2%
$15k–$25k	11.5%
$25k–$35k	11.8%
$35k–$50k	10.9%
$50k–$75k	21.6%
$75k–$100k	9.4%
$100k–$150k	14.2%
$150k–$200k	7.8%
$200k+	3.1%
Median income	$56,940

Housing

Home values

Under $50k 9.7%

$50k–$100k 23.0%

$100k–$150k 20.9%

$150k–$200k 16.0%

$200k–$300k 20.2%

$300k–$500k 5.1%

$500k–$1M 5.3%

Housing overview

Metric	Value
Median home value	$139,500
Median rent / month	$663
Owner occupied	87.4%
Renter occupied	12.6%
Vacant	9.2%
Single-family detached	80.6%
Large apartment buildings	0.6%
Mobile homes	16.0%
Median rooms	5.9
Avg household size (owned)	2.62

Year built

Era	%
2020 or later	0.3%
2010–2019	5.1%
2000–2009	14.9%
1990–1999	17.3%
1980–1989	9.2%
1970–1979	15.2%
1960–1969	14.1%
1950–1959	14.8%
1940–1949	2.1%
1939 or earlier	6.9%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	2.1%
2 bedrooms	23.3%
3 bedrooms	56.9%
4 bedrooms	13.5%
5+ bedrooms	4.2%

Vehicles per household

Vehicles	% of households
No vehicle	1.5%
1 vehicle	27.8%
2 vehicles	38.2%
3 or more	32.5%

Heating fuel

Fuel type	%
Utility gas	25.5%
Electricity	60.8%
Propane / LP gas	11.2%
Wood	2.1%
No fuel used	0.4%

Households & families

Household type	Count	%
Married-couple family	891	54.0%
Cohabiting couple	87	5.3%
Male householder, no spouse	198	12.0%
Female householder, no spouse	473	28.7%
Households with children under 18	599	36.3%
Households with seniors (65+)	571	34.6%
Average household size	2.64

Marital status

Status	Male	Female
Never married	22.9%	24.3%
Married	59.3%	50.9%
Separated	2.3%	0.6%
Widowed	5.0%	11.5%
Divorced	10.5%	12.7%

Education

Less than 9th grade 7.6%

Some HS, no diploma 10.2%

HS graduate 37.1%

Some college, no degree 14.9%

Associate's degree 13.4%

Bachelor's degree 11.9%

Graduate / professional 4.9%

Metric	%
HS diploma or higher	82.2%
Bachelor's or higher	16.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	30	3.2%
Kindergarten	27	2.9%
Elementary school	345	37.3%
High school	387	41.8%
College / grad school	137	14.8%

Employment

Industry of employment

Manufacturing 29.8%

Education & healthcare 23.1%

Transportation & utilities 9.2%

Retail trade 7.7%

Arts, food & hospitality 7.3%

Construction 5.0%

Finance & real estate 4.6%

Professional & management 4.4%

Public administration 2.8%

Other services 2.2%

Agriculture & mining 2.0%

Information 1.1%

Wholesale trade 0.8%

Occupation

Category	%
Management, business & arts	39.0%
Service	10.6%
Sales & office	15.3%
Natural resources & construction	6.4%
Production & transportation	28.6%

Employment type

Type	%
Private sector	77.8%
Government	13.7%
Self-employed	8.4%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	87.1%
Carpool	8.1%
Public transit	0.4%
Walk	0.4%
Work from home	3.3%
Other means	0.8%
Avg commute (minutes)	27.0

Poverty

All people 14.9%

Under 18 years 13.7%

18 and over 15.2%

Married-couple families 8.1%

Female-led households 16.8%

Income support

Source	% of households
Social Security	39.5%
Retirement income	24.7%
Supplemental Security	9.4%
Cash public assistance	5.8%
Food stamps / SNAP	12.1%

Health indicators

Condition	%
Obesity	37.6%
High blood pressure	40.3%
High cholesterol	36.5%
Diabetes	13.3%
Heart disease	8.4%
Stroke	4.0%
Asthma	10.7%
Arthritis	32.4%
Kidney disease	3.4%
Pulmonary disease	10.8%
Cancer	7.5%

Behavior / access	%
Smoking	24.9%
Binge drinking	13.7%
No physical activity	28.0%
Less than 7 hrs sleep	35.3%
Depression	27.7%
Fair or poor health	19.1%
Poor mental health	17.4%
Poor physical health	13.4%
No health insurance	17.7%
Visited doctor (checkup)	76.0%
Visited dentist	51.5%
Cholesterol screening	89.7%
Teeth loss	20.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	204	6.1%

Disability	%
Any disability	23.0%
Under 18	11.0%
18–64 years	15.4%
65 and over	57.9%

Health insurance coverage

Type	%
Private insurance	68.3%
Public insurance	39.9%
No insurance	8.7%
Uninsured under 19	6.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,105	94.4%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,289	98.7%
Born in same state	4,289	98.7%
Born in different state	2,708	62.3%
Foreign born	0	0.0%
Naturalized citizen	58	1.3%
Not a US citizen	12	20.7%

Ancestry

Ancestry	Count	%
Arab	879	20.2%
French	478	11%
Italian	435	10%
Dutch	12	0.3%

Ancestry	Count	%
German	9	0.2%
English	7	0.2%
Irish	1	0%

Technology access

Metric	% of households
Computer access	37.9%
Internet access	87.9%

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

Frequently asked questions about ZIP code 38469

What city is ZIP code 38469 in?

ZIP code 38469 is primarily assigned to Loretto, Tennessee.

What county is ZIP code 38469 in?

ZIP code 38469 falls within Lawrence County, Tennessee.

Is ZIP code 38469 mostly owner-occupied?

87% of occupied units in ZIP code 38469 are owner-occupied, well above the national average.

Does ZIP code 38469 have a large retiree population?

40% of households in ZIP code 38469 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 38469?

The median home value in ZIP code 38469 is $139,500.

What is the population of ZIP code 38469?

ZIP code 38469 has an estimated population of 4,347 residents, with a density of 63 people per square mile.

What timezone is ZIP code 38469 in?

ZIP code 38469 observes the CST timezone.