38581 ZIP Code — Rock Island, TN

Warren County, Tennessee

ZIP code 38581 is located in Rock Island, Tennessee, within Warren County. It covers approximately 97.97 square miles and serves a population of 3,816 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 931.

About ZIP code 38581

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 $119,200. Owner-occupancy is high at 79%, well above the national average.

Median household income is $44,354. Poverty affects 24% of residents, above the national average. 41% 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. The average commute of 33 minutes is near the national average.

College attainment at 12% 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 38581 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, high homeownership, and a significant Social Security-dependent population.

3,816

population

97.97

sq mi land

Standard

ZIP type

Central (CT)

timezone

38581 ZIP code map

Cities in ZIP code 38581

Below are the cities the US Postal Service accepts for ZIP code 38581. Using any city not on this list may result in mail delivery delays.

City	Status
Rock Island	Acceptable
Rock Island	Preferred

Nearby ZIP codes

37110 Mcminnville (8.3 mi) 38559 Doyle (11.5 mi) 38585 Spencer (11.7 mi) 38587 Walling (11.8 mi) 37305 Beersheba Springs (15 mi) 38583 Sparta (18.9 mi) 37166 Smithville (19.4 mi) 37301 Altamont (19.4 mi) 37357 Morrison (19.5 mi) 37313 Coalmont (19.7 mi)

Demographics updated 05/2026

Population
Total population	3,816
Population density	39 / sq mi
State FIPS	47
County FIPS	177

Geography
Land area	97.97 sq mi
Water area	1.05 sq mi
Latitude	35.6946
Longitude	-85.6163
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	58.6%	57.4%	45.7%
$50k – $100k	28.1%	28.2%	30.9%
$100k – $200k	12.2%	11.6%	18.3%
Over $200k	1.0%	2.7%	5.1%

Demographics & statistics

3,816

Population

People per sq mi

46.8

Median age

$44,354

Median household income

$25,467

Per capita income

$119,200

Median home value

$814

Median monthly rent

78.7%

Home ownership

24.3%

Poverty rate

3.2%

Unemployment

1,672

Housing units

11.9%

Bachelor's or higher

Age distribution

Male Female

111

Under 5

5–9

129

10–14

115

15–19

102

20–24

103

25–34

291

35–44

258

331

45–54

294

190

55–59

168

156

60–64

138

219

65–74

194

181

75–84

160

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	775	20.3%
18 and over	3,041	79.7%
65 and over	788	20.6%
Median age	46.8 years

Race & ethnicity

White 89.2%

Hispanic or Latino 4.2%

Two or more races 3.1%

Other race 2.3%

Native Hawaiian / Pacific Islander 0.5%

Black or African American 0.4%

Asian 0.4%

Group	Count	%
White	3,551	89.2%
Hispanic or Latino	167	4.2%
Two or more races	125	3.1%
Other race	91	2.3%
Native Hawaiian / Pacific Islander	21	0.5%
Black or African American	14	0.4%
Asian	14	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	58.6%	57.4%	45.7%
$50k – $100k	28.1%	28.2%	30.9%
$100k – $200k	12.2%	11.6%	18.3%
Over $200k	1.0%	2.7%	5.1%

Under $10k 8.1%

$10k–$15k 2.2%

$15k–$25k 13.5%

$25k–$35k 16.8%

$35k–$50k 13.3%

$50k–$75k 21.2%

$75k–$100k 9.3%

$100k–$150k 9.9%

$150k–$200k 5.1%

$200k+ 0.5%

Range	% of households
Under $10k	8.1%
$10k–$15k	2.2%
$15k–$25k	13.5%
$25k–$35k	16.8%
$35k–$50k	13.3%
$50k–$75k	21.2%
$75k–$100k	9.3%
$100k–$150k	9.9%
$150k–$200k	5.1%
$200k+	0.5%
Median income	$44,354

Housing

Home values

Under $50k 9.5%

$50k–$100k 27.3%

$100k–$150k 24.7%

$150k–$200k 10.5%

$200k–$300k 10.5%

$300k–$500k 12.0%

$500k–$1M 4.7%

$1M+ 0.7%

Housing overview

Metric	Value
Median home value	$119,200
Median rent / month	$814
Owner occupied	78.7%
Renter occupied	21.3%
Vacant	17.9%
Single-family detached	76.6%
Large apartment buildings	0.0%
Mobile homes	21.8%
Median rooms	5.8
Avg household size (owned)	2.22

Year built

Era	%
2020 or later	0.0%
2010–2019	4.1%
2000–2009	10.9%
1990–1999	15.0%
1980–1989	14.4%
1970–1979	19.4%
1960–1969	12.7%
1950–1959	7.2%
1940–1949	9.2%
1939 or earlier	7.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	1.7%
2 bedrooms	21.1%
3 bedrooms	69.0%
4 bedrooms	5.0%
5+ bedrooms	3.2%

Vehicles per household

Vehicles	% of households
No vehicle	10.9%
1 vehicle	21.8%
2 vehicles	35.1%
3 or more	32.2%

Heating fuel

Fuel type	%
Utility gas	11.6%
Electricity	76.8%
Propane / LP gas	2.3%
Fuel oil	1.0%
Wood	5.2%
No fuel used	0.5%

Households & families

Household type	Count	%
Married-couple family	760	45.7%
Cohabiting couple	35	2.1%
Male householder, no spouse	486	29.2%
Female householder, no spouse	382	23.0%
Households with children under 18	464	27.9%
Households with seniors (65+)	565	34.0%
Average household size	2.28

Marital status

Status	Male	Female
Never married	20.1%	12.1%
Married	50.6%	56.5%
Separated	1.5%	2.2%
Widowed	4.2%	12.3%
Divorced	23.6%	16.9%

Education

Less than 9th grade 6.6%

Some HS, no diploma 6.6%

HS graduate 53.1%

Some college, no degree 17.6%

Associate's degree 4.2%

Bachelor's degree 6.8%

Graduate / professional 5.0%

Metric	%
HS diploma or higher	86.8%
Bachelor's or higher	11.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	62	8.4%
Kindergarten	11	1.5%
Elementary school	333	45.0%
High school	209	28.2%
College / grad school	125	16.9%

Employment

Industry of employment

Education & healthcare 22.9%

Manufacturing 16.5%

Construction 14.8%

Professional & management 9.1%

Retail trade 7.8%

Other services 7.4%

Arts, food & hospitality 6.9%

Agriculture & mining 6.1%

Transportation & utilities 4.6%

Public administration 1.7%

Finance & real estate 1.6%

Wholesale trade 0.6%

Occupation

Category	%
Management, business & arts	24.0%
Service	14.5%
Sales & office	13.3%
Natural resources & construction	22.2%
Production & transportation	26.0%

Employment type

Type	%
Private sector	67.6%
Government	13.2%
Self-employed	19.2%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	81.5%
Carpool	11.2%
Public transit	0.6%
Walk	0.0%
Work from home	6.7%
Other means	0.0%
Avg commute (minutes)	33.2

Poverty

All people 24.3%

Under 18 years 45.5%

18 and over 18.9%

Married-couple families 15.0%

Female-led households 18.3%

Income support

Source	% of households
Social Security	41.4%
Retirement income	26.6%
Supplemental Security	4.1%
Cash public assistance	2.1%
Food stamps / SNAP	9.5%

Health indicators

Condition	%
Obesity	36.6%
High blood pressure	40.3%
High cholesterol	38.2%
Diabetes	13.5%
Heart disease	8.3%
Stroke	3.9%
Asthma	10.8%
Arthritis	32.3%
Kidney disease	3.3%
Pulmonary disease	11.0%
Cancer	6.8%

Behavior / access	%
Smoking	27.3%
Binge drinking	14.3%
No physical activity	28.5%
Less than 7 hrs sleep	35.8%
Depression	28.0%
Fair or poor health	20.3%
Poor mental health	18.0%
Poor physical health	13.8%
No health insurance	18.9%
Visited doctor (checkup)	74.3%
Visited dentist	52.1%
Cholesterol screening	89.2%
Teeth loss	21.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	235	7.7%

Disability	%
Any disability	20.3%
Under 18	14.2%
18–64 years	13.7%
65 and over	45.3%

Health insurance coverage

Type	%
Private insurance	56.8%
Public insurance	44.4%
No insurance	14.1%
Uninsured under 19	11.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,607	94.5%
Spanish	71	2.0%
Other Indo-European	71	2.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,611	94.6%
Born in same state	3,604	94.4%
Born in different state	2,839	74.4%
Foreign born	7	0.2%
Naturalized citizen	205	5.4%
Not a US citizen	60	29.3%

Ancestry

Ancestry	Count	%
French	845	22.1%
Arab	702	18.4%

Ancestry	Count	%
Italian	233	6.1%
English	8	0.2%

Technology access

Metric	% of households
Computer access	43.6%
Internet access	88.5%

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

Frequently asked questions about ZIP code 38581

What city is ZIP code 38581 in?

ZIP code 38581 is primarily assigned to Rock Island, Tennessee.

What county is ZIP code 38581 in?

ZIP code 38581 falls within Warren County, Tennessee.

What is the poverty rate in ZIP code 38581?

24% of residents in ZIP code 38581 live below the poverty line, above the national average.

How educated is the population of ZIP code 38581?

12% 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 38581 have a large retiree population?

41% of households in ZIP code 38581 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 38581?

The median home value in ZIP code 38581 is $119,200.

What timezone is ZIP code 38581 in?

ZIP code 38581 observes the CST timezone.