38573 ZIP Code — Monroe, TN

Overton County, Tennessee

ZIP code 38573 is located in Monroe, Tennessee, within Overton County. It covers approximately 66.75 square miles and serves a population of 1,958 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 931.

About ZIP code 38573

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 $157,100. Owner-occupancy is high at 85%, well above the national average.

Median household income is $57,734. The poverty rate of 7% is below the national average. 44% 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 34 minutes is near the national average.

College attainment at 16% 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 a notable veteran presence at 14% of civilians, above the national average of 7%.

Overall, ZIP code 38573 reflects a community defined by a trades-oriented workforce, a strong veteran community, high homeownership, and a significant Social Security-dependent population.

1,958

population

66.75

sq mi land

Standard

ZIP type

Central (CT)

timezone

38573 ZIP code map

Cities in ZIP code 38573

Below are the cities the US Postal Service accepts for ZIP code 38573. Using any city not on this list may result in mail delivery delays.

City	Status
Monroe	Preferred

Nearby ZIP codes

38549 Byrdstown (4.3 mi) 38541 Allons (8.1 mi) 38543 Alpine (8.6 mi) 38570 Livingston (9.4 mi) 38551 Celina (14 mi) 38580 Rickman (14.8 mi) 38568 Hilham (15 mi) 38589 Wilder (15.9 mi) 38577 Pall Mall (16.7 mi) 38554 Crawford (17.3 mi) 38556 Jamestown (18.2 mi) 42602 Albany (18.9 mi)

Demographics updated 05/2026

Population
Total population	1,958
Population density	29 / sq mi
State FIPS	47
County FIPS	133

Geography
Land area	66.75 sq mi
Water area	4.66 sq mi
Latitude	36.4880
Longitude	-85.2142
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	48.3%	62.1%	45.7%
$50k – $100k	19.7%	24.0%	30.9%
$100k – $200k	22.1%	11.7%	18.3%
Over $200k	9.9%	2.2%	5.1%

Demographics & statistics

1,958

Population

People per sq mi

46.7

Median age

$57,734

Median household income

$31,277

Per capita income

$157,100

Median home value

$837

Median monthly rent

84.7%

Home ownership

7.0%

Poverty rate

2.0%

Unemployment

915

Housing units

16.2%

Bachelor's or higher

Age distribution

Male Female

Under 5

111

5–9

10–14

15–19

20–24

25–34

35–44

100

151

45–54

178

55–59

60–64

115

65–74

137

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	427	21.8%
18 and over	1,531	78.2%
65 and over	465	23.7%
Median age	46.7 years

Race & ethnicity

White 97.1%

Two or more races 2%

Hispanic or Latino 0.9%

Group	Count	%
White	1,918	97.1%
Two or more races	40	2%
Hispanic or Latino	17	0.9%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	48.3%	62.1%	45.7%
$50k – $100k	19.7%	24.0%	30.9%
$100k – $200k	22.1%	11.7%	18.3%
Over $200k	9.9%	2.2%	5.1%

Under $10k 8.4%

$10k–$15k 2.6%

$15k–$25k 8.3%

$25k–$35k 9.4%

$35k–$50k 18.2%

$50k–$75k 9.7%

$75k–$100k 17.0%

$100k–$150k 6.9%

$150k–$200k 7.7%

$200k+ 11.7%

Range	% of households
Under $10k	8.4%
$10k–$15k	2.6%
$15k–$25k	8.3%
$25k–$35k	9.4%
$35k–$50k	18.2%
$50k–$75k	9.7%
$75k–$100k	17.0%
$100k–$150k	6.9%
$150k–$200k	7.7%
$200k+	11.7%
Median income	$57,734

Housing

Home values

Under $50k 19.9%

$50k–$100k 12.8%

$100k–$150k 14.1%

$150k–$200k 16.6%

$200k–$300k 11.3%

$300k–$500k 18.7%

$500k–$1M 5.6%

$1M+ 0.9%

Housing overview

Metric	Value
Median home value	$157,100
Median rent / month	$837
Owner occupied	84.7%
Renter occupied	15.3%
Vacant	23.3%
Single-family detached	81.8%
Large apartment buildings	0.0%
Mobile homes	18.2%
Median rooms	5.5
Avg household size (owned)	2.24

Year built

Era	%
2020 or later	1.2%
2010–2019	4.3%
2000–2009	23.5%
1990–1999	19.4%
1980–1989	4.5%
1970–1979	18.6%
1960–1969	12.8%
1950–1959	10.0%
1940–1949	3.8%
1939 or earlier	1.8%

Bedrooms

Size	% of units
No bedroom (studio)	2.0%
1 bedroom	8.5%
2 bedrooms	19.8%
3 bedrooms	50.0%
4 bedrooms	10.6%
5+ bedrooms	9.2%

Vehicles per household

Vehicles	% of households
No vehicle	8.1%
1 vehicle	16.1%
2 vehicles	37.2%
3 or more	38.6%

Heating fuel

Fuel type	%
Utility gas	3.5%
Electricity	66.0%
Propane / LP gas	25.7%
Wood	4.2%
No fuel used	0.6%

Households & families

Household type	Count	%
Married-couple family	481	60.5%
Cohabiting couple	31	3.9%
Male householder, no spouse	174	21.9%
Female householder, no spouse	109	13.7%
Households with children under 18	214	26.9%
Households with seniors (65+)	326	41.0%
Average household size	2.46

Marital status

Status	Male	Female
Never married	15.7%	26.9%
Married	62.2%	57.0%
Separated	0.0%	0.0%
Widowed	3.3%	8.6%
Divorced	18.8%	7.5%

Education

Less than 9th grade 5.0%

Some HS, no diploma 11.6%

HS graduate 45.2%

Some college, no degree 15.2%

Associate's degree 6.8%

Bachelor's degree 11.8%

Graduate / professional 4.4%

Metric	%
HS diploma or higher	83.4%
Bachelor's or higher	16.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	14	5.4%
Kindergarten	33	12.7%
Elementary school	113	43.5%
High school	81	31.2%
College / grad school	19	7.3%

Employment

Industry of employment

Education & healthcare 25.8%

Transportation & utilities 16.3%

Retail trade 14.0%

Other services 9.6%

Arts, food & hospitality 8.6%

Construction 8.2%

Manufacturing 7.6%

Agriculture & mining 6.1%

Professional & management 1.9%

Finance & real estate 1.3%

Wholesale trade 0.5%

Occupation

Category	%
Management, business & arts	37.6%
Service	14.2%
Sales & office	7.4%
Natural resources & construction	19.3%
Production & transportation	21.5%

Employment type

Type	%
Private sector	61.8%
Government	25.5%
Self-employed	12.1%
Unpaid family workers	0.6%

Commute

Method	%
Drive alone	88.1%
Carpool	5.3%
Public transit	0.0%
Walk	0.0%
Work from home	0.0%
Other means	6.7%
Avg commute (minutes)	33.9

Poverty

All people 7.0%

Under 18 years 2.3%

18 and over 8.4%

Married-couple families 3.1%

Female-led households 23.3%

Income support

Source	% of households
Social Security	43.9%
Retirement income	24.9%
Supplemental Security	3.4%
Cash public assistance	2.6%
Food stamps / SNAP	3.1%

Health indicators

Condition	%
Obesity	39.4%
High blood pressure	43.9%
High cholesterol	39.5%
Diabetes	14.6%
Heart disease	9.3%
Stroke	4.4%
Asthma	10.9%
Arthritis	35.2%
Kidney disease	3.7%
Pulmonary disease	12.4%
Cancer	7.5%

Behavior / access	%
Smoking	28.1%
Binge drinking	13.4%
No physical activity	30.8%
Less than 7 hrs sleep	36.0%
Depression	28.1%
Fair or poor health	21.9%
Poor mental health	17.9%
Poor physical health	15.0%
No health insurance	19.0%
Visited doctor (checkup)	75.6%
Visited dentist	51.3%
Cholesterol screening	89.8%
Teeth loss	23.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	220	14.4%

Disability	%
Any disability	16.9%
Under 18	2.1%
18–64 years	9.5%
65 and over	47.5%

Health insurance coverage

Type	%
Private insurance	59.4%
Public insurance	46.6%
No insurance	7.1%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,753	89.5%
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)	1,958	100.0%
Born in same state	1,934	98.8%
Born in different state	1,349	68.9%
Foreign born	24	1.2%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Arab	524	26.8%
Italian	274	14%
French	154	7.9%

Ancestry	Count	%
Polish	27	1.4%
German	8	0.4%
English	4	0.2%

Technology access

Metric	% of households
Computer access	40.6%
Internet access	79.0%

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

Frequently asked questions about ZIP code 38573

What city is ZIP code 38573 in?

ZIP code 38573 is primarily assigned to Monroe, Tennessee.

What county is ZIP code 38573 in?

ZIP code 38573 falls within Overton County, Tennessee.

Is ZIP code 38573 mostly owner-occupied?

85% of occupied units in ZIP code 38573 are owner-occupied, well above the national average.

Does ZIP code 38573 have a large retiree population?

44% of households in ZIP code 38573 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 38573 have a large veteran population?

14% of civilians in ZIP code 38573 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 38573?

The median home value in ZIP code 38573 is $157,100.

What timezone is ZIP code 38573 in?

ZIP code 38573 observes the CST timezone.