ZIP Code Tabulation Area · Tennessee

ZIP Code 38551: Clay County, TN

ZIP Code 38551 (Clay County, Tennessee) has an estimated 4,477 residents in 1,964 households. The median household income is $39,821, the median home value is $116,700 and the median gross rent is $544/mo. Figures are U.S. Census Bureau American Community Survey 2020–2024 5-year estimates for the matching ZIP Code Tabulation Area.

American Community Survey 2020–2024 5-year estimates · Updated Oct 26, 2026

Total population

4,477

Margin of error ±332

Median household income

$39,821

Margin of error ±$8,687

Median home value

$116,700

Margin of error ±$12,202

Median gross rent

$544/mo

Margin of error ±$97

Median age

43.5 yrs

Margin of error ±2.2 yrs

Mean travel time to work

26.5 min

Margin of error ±8.8 min

How ZIP 38551 compares with Tennessee and the U.S.

State and national figures are the Census Bureau's own estimates for those areas from the same ACS release, not averages of ZIP codes.

Median age

ZIP 3855143.5 yrsTennessee38.9 yrsUnited States38.9 yrs

Median household income

ZIP 38551$39,821Tennessee$69,595United States$80,734

Per capita income

ZIP 38551$21,912Tennessee$39,437United States$44,673

Poverty rate

ZIP 3855125.6%Tennessee13.8%United States12.5%

Unemployment rate

ZIP 3855111.2%Tennessee4.7%United States5.2%

Bachelor's degree or higher

ZIP 385518.4%Tennessee31.1%United States35.7%

Median home value

ZIP 38551$116,700Tennessee$286,700United States$332,700

Median gross rent

ZIP 38551$544/moTennessee$1,189/moUnited States$1,413/mo

Owner-occupied homes

ZIP 3855163.5%Tennessee66.9%United States65.2%

Mean travel time to work

ZIP 3855126.5 minTennessee25.7 minUnited States26.4 min

Worked from home

ZIP 385515.6%Tennessee12.9%United States15.1%

All figures for ZIP 38551

Each estimate has a 90% margin of error: the true value is likely within that range. * marks estimates with a large margin of error (a coefficient of variation above 30%, or ±10 percentage points or more for rates).

ZIP 38551 — ACS 2020–2024 5-year estimates
Measure	ZIP 38551	Margin of error	Tennessee	United States
Total population	4,477	±332	7,066,383	334,922,499
Median age	43.5 yrs	±2.2 yrs	38.9 yrs	38.9 yrs
Households	1,964	±212	2,824,277	129,227,496
Median household income	$39,821	±$8,687	$69,595	$80,734
Per capita income	$21,912	±$3,278	$39,437	$44,673
Poverty rate	25.6%	±9.2 pts	13.8%	12.5%
Unemployment rate	11.2%	±5.6 pts	4.7%	5.2%
Bachelor's degree or higher	8.4%	±3.1 pts	31.1%	35.7%
Median home value	$116,700	±$12,202	$286,700	$332,700
Median gross rent	$544/mo	±$97	$1,189/mo	$1,413/mo
Owner-occupied homes	63.5%	±5.4 pts	66.9%	65.2%
Mean travel time to work	26.5 min	±8.8 min	25.7 min	26.4 min
Worked from home	5.6%	±5.3 pts	12.9%	15.1%

Race and Hispanic or Latino origin

Shares of the total population by the Census Bureau's race and Hispanic or Latino origin categories (table B03002), listed in the Census Bureau's order. People self-identify on the survey.

Population by race and Hispanic or Latino origin, ZIP 38551
Group	ZIP 38551	Tennessee	United States
White alone, not Hispanic or Latino	89.9%	71.0%	57.4%
Black or African American alone, not Hispanic or Latino	5.7%	15.4%	11.9%
American Indian and Alaska Native alone, not Hispanic or Latino	0.4%	0.1%	0.5%
Asian alone, not Hispanic or Latino	0.8%	1.9%	5.9%
Native Hawaiian and Other Pacific Islander alone, not Hispanic or Latino	0.0%	0.1%	0.2%
Some other race alone, not Hispanic or Latino	0.0%	0.4%	0.6%
Two or more races, not Hispanic or Latino	2.7%	3.7%	4.3%
Hispanic or Latino (of any race)	0.4%	7.4%	19.3%

Where ZIP 38551 is

State: Tennessee
Main county: Clay County— also overlaps Jackson County
Largest overlapping place: Celina (2% of the ZIP's land area)
Land area: 89.34 sq mi· about 50 people per sq mi

County and place names come from the Census Bureau's 2020 ZCTA relationship files. A ZIP code's mailing city, set by the U.S. Postal Service, can differ from these names.

Other ZIP codes in Clay County

38575 Clay County, TN

See every ZIP code in Tennessee, or compare ZIP 38551 with another ZIP code.

Census figures describe residents as a group and cannot tell you about any one home or street. For a specific address, check local government and housing records.

About ZIP codes and ZCTAs: the Census Bureau publishes statistics for ZIP Code Tabulation Areas, which approximate USPS ZIP code delivery areas. Learn how they differ.

Sources

U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates, detailed tables B01003, B01002, B11001, B19013, B19301, B17001, B23025, B15003, B25077, B25064, B25003, B08013, B08303, B08301, B03002 — snapshot Oct 26, 2026.
U.S. Census Bureau, 2020 ZCTA5 relationship files (county and place).
Data: U.S. Census Bureau, American Community Survey 5-year estimates (detailed tables) and 2020 Census ZCTA relationship files. This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau. These agencies do not endorse OpenZIP.