38260 ZIP Code — Troy, TN

Obion County, Tennessee

ZIP code 38260 is located in Troy, Tennessee, within Obion County. It covers approximately 71.42 square miles and serves a population of 3,684 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 731.

About ZIP code 38260

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 $110,900. Owner-occupancy is high at 78%, well above the national average.

Median household income is $50,560. 39% 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 20 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 (27%) compared to national benchmarks.

Overall, ZIP code 38260 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

3,684

population

71.42

sq mi land

Standard

ZIP type

Central (CT)

timezone

38260 ZIP code map

Cities in ZIP code 38260

Below are the cities the US Postal Service accepts for ZIP code 38260. Using any city not on this list may result in mail delivery delays.

City	Status
Troy	Preferred

Nearby ZIP codes

38261 Union City (4.4 mi) 38232 Hornbeak (7 mi) 38253 Rives (10.3 mi) 38240 Obion (10.9 mi) 38079 Tiptonville (12.9 mi) 38259 Trimble (13 mi) 42050 Hickman (14 mi) 38233 Kenton (16 mi) 38059 Newbern (19.2 mi) 38238 Martin (19.7 mi)

Demographics updated 05/2026

Population
Total population	3,684
Population density	52 / sq mi
State FIPS	47
County FIPS	131

Geography
Land area	71.42 sq mi
Water area	0.12 sq mi
Latitude	36.3839
Longitude	-89.2136
Timezone	Central (CT)
Area code	731

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	54.7%	60.7%	45.7%
$50k – $100k	29.3%	28.0%	30.9%
$100k – $200k	15.2%	9.5%	18.3%
Over $200k	0.8%	1.8%	5.1%

Demographics & statistics

3,684

Population

People per sq mi

41.8

Median age

$50,560

Median household income

$27,148

Per capita income

$110,900

Median home value

$758

Median monthly rent

78.1%

Home ownership

11.5%

Poverty rate

4.0%

Unemployment

1,381

Housing units

16.0%

Bachelor's or higher

Age distribution

Male Female

Under 5

116

5–9

113

129

10–14

127

100

15–19

100

20–24

202

25–34

199

270

35–44

265

275

45–54

270

111

55–59

110

111

60–64

109

227

65–74

222

123

75–84

121

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	758	20.6%
18 and over	2,926	79.4%
65 and over	746	20.2%
Median age	41.8 years

Race & ethnicity

White 95.5%

Black or African American 1.9%

Two or more races 1.8%

Hispanic or Latino 0.4%

Other race 0.4%

Group	Count	%
White	3,534	95.5%
Black or African American	69	1.9%
Two or more races	68	1.8%
Hispanic or Latino	15	0.4%
Other race	13	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	54.7%	60.7%	45.7%
$50k – $100k	29.3%	28.0%	30.9%
$100k – $200k	15.2%	9.5%	18.3%
Over $200k	0.8%	1.8%	5.1%

Under $10k 5.7%

$10k–$15k 5.7%

$15k–$25k 10.4%

$25k–$35k 10.1%

$35k–$50k 17.1%

$50k–$75k 21.7%

$75k–$100k 13.0%

$100k–$150k 11.5%

$150k–$200k 2.8%

$200k+ 2.0%

Range	% of households
Under $10k	5.7%
$10k–$15k	5.7%
$15k–$25k	10.4%
$25k–$35k	10.1%
$35k–$50k	17.1%
$50k–$75k	21.7%
$75k–$100k	13.0%
$100k–$150k	11.5%
$150k–$200k	2.8%
$200k+	2.0%
Median income	$50,560

Housing

Home values

Under $50k 9.4%

$50k–$100k 32.9%

$100k–$150k 24.2%

$150k–$200k 12.7%

$200k–$300k 10.4%

$300k–$500k 9.5%

$500k–$1M 0.7%

$1M+ 0.2%

Housing overview

Metric	Value
Median home value	$110,900
Median rent / month	$758
Owner occupied	78.1%
Renter occupied	21.9%
Vacant	9.6%
Single-family detached	78.9%
Large apartment buildings	0.0%
Mobile homes	15.1%
Median rooms	5.6
Avg household size (owned)	2.27

Year built

Era	%
2020 or later	0.0%
2010–2019	7.4%
2000–2009	6.1%
1990–1999	20.7%
1980–1989	13.9%
1970–1979	17.5%
1960–1969	11.4%
1950–1959	5.9%
1940–1949	6.6%
1939 or earlier	10.5%

Bedrooms

Size	% of units
No bedroom (studio)	1.6%
1 bedroom	4.4%
2 bedrooms	29.6%
3 bedrooms	55.0%
4 bedrooms	8.9%
5+ bedrooms	0.5%

Vehicles per household

Vehicles	% of households
No vehicle	5.5%
1 vehicle	27.8%
2 vehicles	41.1%
3 or more	25.5%

Heating fuel

Fuel type	%
Utility gas	31.4%
Electricity	56.0%
Propane / LP gas	12.1%
Wood	0.2%
No fuel used	0.2%

Households & families

Household type	Count	%
Married-couple family	723	46.5%
Cohabiting couple	139	8.9%
Male householder, no spouse	378	24.3%
Female householder, no spouse	316	20.3%
Households with children under 18	431	27.7%
Households with seniors (65+)	563	36.2%
Average household size	2.36

Marital status

Status	Male	Female
Never married	24.6%	22.9%
Married	49.5%	49.2%
Separated	2.8%	1.3%
Widowed	6.6%	10.7%
Divorced	16.5%	15.9%

Education

Less than 9th grade 3.6%

Some HS, no diploma 12.3%

HS graduate 48.0%

Some college, no degree 16.5%

Associate's degree 3.6%

Bachelor's degree 10.9%

Graduate / professional 5.1%

Metric	%
HS diploma or higher	84.1%
Bachelor's or higher	16.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	31	3.9%
Kindergarten	49	6.1%
Elementary school	366	45.6%
High school	209	26.1%
College / grad school	147	18.3%

Employment

Industry of employment

Manufacturing 25.1%

Education & healthcare 18.8%

Retail trade 13.2%

Other services 6.9%

Transportation & utilities 6.8%

Public administration 6.6%

Professional & management 5.9%

Arts, food & hospitality 5.1%

Construction 4.7%

Agriculture & mining 3.0%

Wholesale trade 1.8%

Finance & real estate 1.5%

Information 0.8%

Occupation

Category	%
Management, business & arts	26.3%
Service	12.5%
Sales & office	24.2%
Natural resources & construction	11.7%
Production & transportation	25.3%

Employment type

Type	%
Private sector	74.7%
Government	21.0%
Self-employed	4.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	86.8%
Carpool	7.4%
Public transit	0.0%
Walk	0.7%
Work from home	3.4%
Other means	1.7%
Avg commute (minutes)	19.8

Poverty

All people 11.5%

Under 18 years 5.7%

18 and over 12.8%

Married-couple families 1.9%

Female-led households 8.2%

Income support

Source	% of households
Social Security	38.9%
Retirement income	25.2%
Supplemental Security	4.8%
Cash public assistance	1.4%
Food stamps / SNAP	17.0%

Health indicators

Condition	%
Obesity	38.1%
High blood pressure	40.1%
High cholesterol	37.5%
Diabetes	13.8%
Heart disease	8.5%
Stroke	4.1%
Asthma	11.1%
Arthritis	31.9%
Kidney disease	3.5%
Pulmonary disease	11.6%
Cancer	7.0%

Behavior / access	%
Smoking	27.2%
Binge drinking	14.1%
No physical activity	30.3%
Less than 7 hrs sleep	36.4%
Depression	28.6%
Fair or poor health	20.8%
Poor mental health	18.3%
Poor physical health	14.2%
No health insurance	18.8%
Visited doctor (checkup)	74.2%
Visited dentist	52.1%
Cholesterol screening	88.9%
Teeth loss	22.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	180	6.2%

Disability	%
Any disability	18.3%
Under 18	2.4%
18–64 years	15.9%
65 and over	41.4%

Health insurance coverage

Type	%
Private insurance	65.7%
Public insurance	37.8%
No insurance	9.4%
Uninsured under 19	3.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,551	96.4%
Spanish	16	0.5%
Other Indo-European	16	0.5%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,672	99.7%
Born in same state	3,672	99.7%
Born in different state	2,754	74.8%
Foreign born	0	0.0%
Naturalized citizen	12	0.3%
Not a US citizen	5	41.7%

Ancestry

Ancestry	Count	%
Arab	802	21.8%
Italian	512	13.9%
French	442	12%
English	18	0.5%

Ancestry	Count	%
German	4	0.1%
Irish	4	0.1%
Norwegian	3	0.1%

Technology access

Metric	% of households
Computer access	42.2%
Internet access	79.7%

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

Frequently asked questions about ZIP code 38260

What city is ZIP code 38260 in?

ZIP code 38260 is primarily assigned to Troy, Tennessee.

What county is ZIP code 38260 in?

ZIP code 38260 falls within Obion County, Tennessee.

Does ZIP code 38260 have a large retiree population?

39% of households in ZIP code 38260 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 38260?

The median home value in ZIP code 38260 is $110,900.

What is the population of ZIP code 38260?

ZIP code 38260 has an estimated population of 3,684 residents, with a density of 52 people per square mile.

What is the median household income in ZIP code 38260?

The median household income in ZIP code 38260 is $50,560, below the national median of ~$75,000.

What timezone is ZIP code 38260 in?

ZIP code 38260 observes the CST timezone.