38582 ZIP Code — Silver Point, TN

Putnam County, Tennessee

ZIP code 38582 is located in Silver Point, Tennessee, within Putnam County. It covers approximately 46.14 square miles and serves a population of 1,936 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 931.

About ZIP code 38582

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 $239,700. Owner-occupancy is high at 95%, well above the national average.

Median household income is $70,833. The poverty rate of 6% is below 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 retail trade as the leading industry. The average commute of 16 minutes is near the national average.

Educational attainment is near the national average, with 28% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (23%) compared to national benchmarks.

Notable community characteristics include disability rates above the national average at 25%.

Overall, ZIP code 38582 reflects a community defined by high homeownership and a significant Social Security-dependent population.

1,936

population

46.14

sq mi land

Standard

ZIP type

Central (CT)

timezone

38582 ZIP code map

Cities in ZIP code 38582

Below are the cities the US Postal Service accepts for ZIP code 38582. Using any city not on this list may result in mail delivery delays.

City	Status
Silver Point	Preferred

Nearby ZIP codes

38544 Baxter (5.5 mi) 38548 Buffalo Valley (5.8 mi) 38552 Chestnut Mound (7.8 mi) 38567 Hickman (9.3 mi) 38545 Bloomington Springs (10.4 mi) 38560 Elmwood (10.7 mi) 37166 Smithville (11.1 mi) 38564 Granville (12.2 mi) 37059 Dowelltown (12.4 mi) 37095 Liberty (13.2 mi) 37012 Alexandria (13.4 mi) 38547 Brush Creek (14.9 mi)

Demographics updated 05/2026

Population
Total population	1,936
Population density	42 / sq mi
State FIPS	47
County FIPS	141

Geography
Land area	46.14 sq mi
Water area	5.87 sq mi
Latitude	36.0979
Longitude	-85.7590
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	42.1%	55.4%	45.7%
$50k – $100k	30.4%	27.5%	30.9%
$100k – $200k	26.4%	13.8%	18.3%
Over $200k	1.0%	3.3%	5.1%

Demographics & statistics

1,936

Population

People per sq mi

42.0

Median age

$70,833

Median household income

$32,442

Per capita income

$239,700

Median home value

$573

Median monthly rent

94.8%

Home ownership

5.7%

Poverty rate

1.6%

Unemployment

899

Housing units

27.6%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

103

10–14

15–19

20–24

25–34

176

35–44

119

117

45–54

55–59

60–64

165

65–74

111

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	543	28.0%
18 and over	1,393	72.0%
65 and over	468	24.2%
Median age	42.0 years

Race & ethnicity

White 99%

Two or more races 1%

Group	Count	%
White	1,917	99%
Two or more races	19	1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	42.1%	55.4%	45.7%
$50k – $100k	30.4%	27.5%	30.9%
$100k – $200k	26.4%	13.8%	18.3%
Over $200k	1.0%	3.3%	5.1%

Under $10k 0.7%

$10k–$15k 5.3%

$15k–$25k 9.2%

$25k–$35k 4.1%

$35k–$50k 19.7%

$50k–$75k 13.3%

$75k–$100k 12.8%

$100k–$150k 11.7%

$150k–$200k 20.7%

$200k+ 2.4%

Range	% of households
Under $10k	0.7%
$10k–$15k	5.3%
$15k–$25k	9.2%
$25k–$35k	4.1%
$35k–$50k	19.7%
$50k–$75k	13.3%
$75k–$100k	12.8%
$100k–$150k	11.7%
$150k–$200k	20.7%
$200k+	2.4%
Median income	$70,833

Housing

Home values

Under $50k 5.5%

$50k–$100k 13.1%

$100k–$150k 7.0%

$150k–$200k 3.7%

$200k–$300k 30.1%

$300k–$500k 34.0%

$500k–$1M 6.6%

Housing overview

Metric	Value
Median home value	$239,700
Median rent / month	$573
Owner occupied	94.8%
Renter occupied	5.2%
Vacant	20.0%
Single-family detached	70.1%
Large apartment buildings	0.0%
Mobile homes	28.1%
Median rooms	6.2
Avg household size (owned)	2.62

Year built

Era	%
2020 or later	0.0%
2010–2019	8.2%
2000–2009	30.4%
1990–1999	21.9%
1980–1989	3.7%
1970–1979	15.8%
1960–1969	13.4%
1950–1959	6.6%
1940–1949	0.0%
1939 or earlier	0.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.9%
1 bedroom	0.0%
2 bedrooms	10.4%
3 bedrooms	60.6%
4 bedrooms	16.6%
5+ bedrooms	11.5%

Vehicles per household

Vehicles	% of households
No vehicle	4.8%
1 vehicle	17.7%
2 vehicles	32.3%
3 or more	45.2%

Heating fuel

Fuel type	%
Utility gas	6.9%
Electricity	75.1%
Propane / LP gas	8.3%
Fuel oil	3.5%
Wood	5.9%
No fuel used	0.4%

Households & families

Household type	Count	%
Married-couple family	478	63.7%
Cohabiting couple	55	7.3%
Male householder, no spouse	191	25.5%
Female householder, no spouse	26	3.5%
Households with children under 18	224	29.9%
Households with seniors (65+)	338	45.1%
Average household size	2.58

Marital status

Status	Male	Female
Never married	19.9%	13.2%
Married	56.5%	76.1%
Separated	1.0%	0.0%
Widowed	7.3%	3.0%
Divorced	15.2%	7.7%

Education

Less than 9th grade 2.0%

Some HS, no diploma 11.3%

HS graduate 32.2%

Some college, no degree 19.5%

Associate's degree 7.3%

Bachelor's degree 18.9%

Graduate / professional 8.7%

Metric	%
HS diploma or higher	86.6%
Bachelor's or higher	27.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	42	10.1%
Kindergarten	28	6.7%
Elementary school	254	60.9%
High school	85	20.4%
College / grad school	8	1.9%

Employment

Industry of employment

Retail trade 29.1%

Education & healthcare 21.3%

Transportation & utilities 12.7%

Wholesale trade 11.7%

Construction 9.9%

Manufacturing 9.8%

Arts, food & hospitality 3.1%

Professional & management 1.6%

Agriculture & mining 0.9%

Occupation

Category	%
Management, business & arts	30.1%
Service	23.6%
Sales & office	24.7%
Natural resources & construction	5.3%
Production & transportation	16.4%

Employment type

Type	%
Private sector	70.1%
Government	10.8%
Self-employed	19.2%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	83.7%
Carpool	0.8%
Public transit	0.0%
Walk	13.9%
Work from home	1.6%
Other means	0.0%
Avg commute (minutes)	16.0

Poverty

All people 5.7%

Under 18 years 1.7%

18 and over 7.2%

Married-couple families 2.1%

Female-led households 47.4%

Income support

Source	% of households
Social Security	46.4%
Retirement income	30.3%
Supplemental Security	1.3%
Cash public assistance	0.0%
Food stamps / SNAP	3.9%

Health indicators

Condition	%
Obesity	38.5%
High blood pressure	43.0%
High cholesterol	40.3%
Diabetes	14.1%
Heart disease	8.9%
Stroke	4.0%
Asthma	10.2%
Arthritis	33.5%
Kidney disease	3.5%
Pulmonary disease	10.5%
Cancer	7.9%

Behavior / access	%
Smoking	23.1%
Binge drinking	13.3%
No physical activity	28.0%
Less than 7 hrs sleep	33.8%
Depression	25.7%
Fair or poor health	18.3%
Poor mental health	16.0%
Poor physical health	12.9%
No health insurance	16.3%
Visited doctor (checkup)	77.7%
Visited dentist	58.2%
Cholesterol screening	91.5%
Teeth loss	17.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	137	9.8%

Disability	%
Any disability	24.5%
Under 18	0.0%
18–64 years	33.7%
65 and over	34.6%

Health insurance coverage

Type	%
Private insurance	70.1%
Public insurance	45.1%
No insurance	1.7%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,787	92.3%
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)	1,900	98.1%
Born in same state	1,806	93.3%
Born in different state	1,293	66.8%
Foreign born	94	4.9%
Naturalized citizen	36	1.9%
Not a US citizen	36	100.0%

Ancestry

Ancestry	Count	%
Arab	503	26%
Italian	309	16%

Ancestry	Count	%
French	288	14.9%
English	64	3.3%

Technology access

Metric	% of households
Computer access	38.7%
Internet access	87.6%

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

Frequently asked questions about ZIP code 38582

What city is ZIP code 38582 in?

ZIP code 38582 is primarily assigned to Silver Point, Tennessee.

What county is ZIP code 38582 in?

ZIP code 38582 falls within Putnam County, Tennessee.

Is ZIP code 38582 mostly owner-occupied?

95% of occupied units in ZIP code 38582 are owner-occupied, well above the national average.

Does ZIP code 38582 have a large retiree population?

46% of households in ZIP code 38582 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 38582 have a large veteran population?

10% of civilians in ZIP code 38582 are veterans, above the national average of ~7%.

What is the population of ZIP code 38582?

ZIP code 38582 has an estimated population of 1,936 residents, with a density of 42 people per square mile.

What timezone is ZIP code 38582 in?

ZIP code 38582 observes the CST timezone.