ZIP Code Tabulation Area

38574

Monterey, TN · ACS 2020–2024

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Latest estimates

At a glance

U.S. Census Bureau American Community Survey 5-year estimates.

Total population
9,079
Median household income
$52,223
People below poverty
19.1%
Median home value
$196,800

Income

The median income of households in 38574 was $52,223. An estimated 8.4% of households had income below $10,000 a year and 5.5% had income of $200,000 or more.

Household Income in 38574 in 2020-2024

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Percent
Less than $10,000 8.4
$10,000 to $14,999 3.8
$15,000 to $24,999 11.3
$25,000 to $34,999 6.5
$35,000 to $49,999 12.1
$50,000 to $74,999 24.6
$75,000 to $99,999 16.7
$100,000 to $149,999 9
$150,000 to $199,999 2
$200,000 or more 5.5

Median Earnings for Full-Time Year-Round Workers by Sex in 38574 in 2020-2024

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Dollars
Male 46023
Female 37734

An estimated 70.3% of households received earnings. An estimated 39.1% of households received Social Security and an estimated 27.4 % of households received retirement income other than Social Security. The average income from Social Security was $22,694. These income sources are not mutually exclusive; that is, some households received income from more than one source.

Proportion of Households with Various Income Sources in 38574 in 2020-2024

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Percent
Earnings 70.3
Social Security 39.1
Retirement income 27.4
Supplemental Security Income (SSI) 5.4
Cash public assistance income 1.6

Poverty and Participation in Government Programs

In 2020-2024, 19.1 % of people were in poverty. An estimated 29.9% of children under 18 were below the poverty level, compared with 16% of people 65 years old and over. An estimated 15.3% of people 18 to 64 years were below the poverty level.

Poverty Rates in 38574 in 2020-2024

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Percent
People in poverty 19.1
Children under 18 years below poverty 29.9
People 65 years old and over below poverty 16
People 18 to 64 years below poverty 15.3

In 2020-2024, 14.6 % of households received SNAP (the Supplemental Nutrition Assistance Program). An estimated 76.7% of households that received SNAP had children under 18, and 43.4% of households that received SNAP had one or more people 60 years and over. An estimated 16.7% of all households receiving SNAP were families with a female householder and no spouse present.


Among the civilian noninstitutionalized population in 38574 in 2020-2024, 88.5% had health insurance coverage and 11.5% did not have health insurance coverage. Private coverage was 50.4% and public coverage was 49.4%, respectively. The percentage of children under the age of 19 with no health insurance coverage was 7.4%.


In 2020-2024, 38574 had a total population of 9,079 - 4,260 (46.9%) females and 4,819 (53.1%) males. The median age was 37.8 years. An estimated 25.4% of the population was under 18 years, 28.1% was 19 to 44 years, 27.1% was 45 to 64 years, and 18.4 % was 65 years and older.

Population by Age and Sex for 38574 in 2020-2024

Male Female
Under 5 176 177
5 to 9 305 480
10 to 14 393 132
15 to 19 570 162
20 to 24 390 219
25 to 29 436 234
30 to 34 101 322
35 to 39 323 204
40 to 44 171 152
45 to 49 234 301
50 to 54 270 229
55 to 59 330 188
60 to 64 342 563
65 to 69 326 373
70 to 74 311 278
75 to 79 74 81
80 to 84 29 68
85 and over 38 97

Hispanic Origin and Race

For people reporting one race alone, 92.2% were White; 0.2% were Black or African American; 17.5% were American Indian and Alaska Native; 0.1% were Asian; 0.2% were Native Hawaiian and Other Pacific Islander, and 0% were Some Other Race. An estimated 5.8% reported Two or More Races. An estimated 9.1% of the people in 38574 were Hispanic or Latino. An estimated 89.9% of the people in 38574 were White alone, non-Hispanic. People of Hispanic origin may be of any race.


Households and Families

In 2020-2024, there were 3,525 households in 38574. The average household size was 2.55 people.

Married-couple households made up 52.8% of the households in 38574 while cohabiting couple households made up 6.8% of households. Female householders with no spouse or partner present were 23% of all households, while 17.5% of households had male householders with no spouse or partner present. Some households had one person, as 9.6% of households were male householders living alone, and 13.2% were female householders living alone, for a total of 22.8% of all households.

In 38574, 36.5% of all households had one or more people under the age of 18; 33.9% of all households had one or more people 65 years and over.

Types of Households in 38574 in 2020-2024

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Percent
Married-couple households 52.8
Cohabiting Couples 6.8
Male Householder
No spouse/partner present
17.5
Female Householder
No spouse/partner present
23

Marital Status

Among persons 15 and older, 56.3% of males and 60.2% of females were currently married.

Population 15 years and over Percent
Males
Percent
Females
Never married 29.5 15.6
Now married, except separated 56.3 60.2
Separated 0.3 1.6
Widowed 2.1 9.9
Divorced 11.8 12.7

Grandparents and Grandchildren

In 38574, 326 grandparents lived with their grandchildren under 18 years old. Of those grandparents, 32.5% were responsible for the basic needs of their grandchildren.


Nativity and Foreign-Born

In 2020-2024, an estimated 96.9% of the people living in 38574 were U.S. natives. 54.6% of the 38574 population were living in the state where they were born.

Approximately 3.1% of 38574 residents in 2020-2024 were foreign-born. 62.6% of foreign-born were naturalized U.S. citizens and an estimated 75.8 % entered the country before the year 2010.

Foreign-born residents of 38574 come from different parts of the world. The bar graph below displays the percentage of foreign-born from each world region of birth in 2020-2024 for 38574.

Region of Birth for the Foreign-Born Population in 38574 in 2020-2024

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Percent
Latin America 66.9
Asia 5
Europe 16.4
Africa 0
Northern America 11.7
Oceania 0

Language

Among people at least five years old living in 38574 in 2020-2024, 5.8 % spoke a language other than English at home. Spanish was spoken by 5% of people at least five years old; 1.4% reported that they did not speak English "very well."

Percentage of the Population 5 years and over who Speak a Language other than English in 38574 in 2020-2024

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Percent
Spanish 5
Other Indo-European languages 0.7
Asian and Pacific Islander languages 0.1
Other languages 0

Geographic Mobility

In 2020-2024, 90.4 % of the people at least one year old living in 38574 were living in the same house one year earlier.

Geographic Mobility of Residents of 38574 in 2020-2024

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Percent
Same house 90.4
Different house, same county 6.3
Different county, same state 1.4
Different state 1.7
Abroad 0.2

Education

In 2020-2024, 81.2 % of people 25 years and over had at least graduated from high school and 14.7% had a bachelor's degree or higher. An estimated 18.9% did not complete high school.

The total school enrollment in 38574 was 2,428 in 2020-2024. Nursery school enrollment was 75 and kindergarten through 12th grade enrollment was 1,997. College or graduate school enrollment was 356.

Educational Attainment of People in 38574 in 2020-2024

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Percent
Less than high school diploma 18.9
High school diploma or equivalency 42.1
Some college, no degree 20.2
Associate's degree 4.1
Bachelor's degree 11
Graduate or professional degree 3.7

Disability

In 38574, among the civilian noninstitutionalized population in 2020-2024, 15.5 % reported a disability. The likelihood of having a disability varied by age - from 11.4% of people under 18 years old, to 14.1% of people 18 to 64 years old, and to 25.9% of those 65 and over.


Employment Status and Type of Employer

In 38574, 55 % of the population 16 and over were employed; 43.2% were not currently in the labor force.

An estimated 71.2% of the people employed were private wage and salary workers; 14.1% were federal, state, or local government workers; and 14.3 % were self-employed in their own (not incorporated) business.

Class of worker Number Percent
Private wage and salary workers 2,821 71.2
Federal, state, or local government workers 558 14.1
Self-employed workers in own not incorporated business 565 14.3

Industries

In 2020-2024, the civilian employed population 16 years and older in 38574 worked in the following industries:

Percent by Industry in 38574 in 2020-2024

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Percent
Agriculture, forestry, fishing and hunting, and mining 2
Construction 6.8
Manufacturing 20
Wholesale trade 1.6
Retail trade 5.7
Transportation and warehousing, and utilities 6.8
Information 1.2
Finance and insurance, and real estate and rental and leasing 4.2
Professional, scientific, and management, and administrative and waste management services 11.9
Educational services, and health care and social assistance 21.7
Arts, entertainment, and recreation, and accommodation, and food services 8.1
Other Services, except public administration 7.4
Public administration 2.5

Occupations

Occupations for the Civilian Employed Population 16 Years and over in 38574 in 2020-2024

Civilian employed population 16 years and over Number Percent
Management, business, sciences, and arts occupations 904 22.8
Service occupations 808 20.4
Sales and office occupations 503 12.7
Natural resources, construction, and maintenance occupations 499 12.6
Production, transportation, and material moving occupations 1,248 31.5

Commuting to Work

An estimated 82.8% of 38574 workers drove to work alone in 2020-2024, and 12.1% carpooled. Among those who commuted to work, it took them on average 23.5 minutes to get to work.

Percent of Workers 16 and over Commuting by Mode in 38574 in 2020-2024

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Percent
Car, truck, van -- drove alone 82.8
Car, truck, van -- carpooled 12.1
Public transportation (excluding taxicab) 0.2
Walked 2.2
Other means 0
Worked from home 2.8

In 2020-2024, 38574 had a total of 3,989 housing units. Of these housing units, 75% were single-family houses either not attached to any other structure or attached to one or more structures (commonly referred to as "townhouses" or "row houses"). 10.1% of the housing units were located in multi-unit structures, or those buildings that contained two or more apartments. 12.9% were mobile homes, while any remaining housing units were classified as "other," which included boats, recreational vehicles, vans, etc.

Types of Housing Units in 38574 in 2020-2024

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Percent
Single-family houses 75
Apartments in multi-unit structures 10.1
Mobile homes 12.9
Boat, RV, van, etc 2.1

11.8% of the housing inventory was comprised of houses built since 2010, while 4.4% of the houses were first built in 1939 or earlier. The median number of rooms in all housing units in 38574 was 5.9 rooms, and of these housing units 69.1% had three or more bedrooms.


In 2020-2024, 38574 had 3,525 housing units that were occupied or had people living in them, while the remaining 464 were vacant. Of the occupied housing units, the percentage of these houses occupied by owners (also known as the homeownership rate) was 75.6% while renters occupied 24.4%. The average household size of owner-occupied houses was 2.56 and in renter-occupied houses it was 2.53.

3.7% of householders of these occupied houses had moved into their house since 2021, while 7.9% moved into their house in 1989 or earlier. Households without a vehicle available for personal use comprised 2.1% and another 27.4% had three or more vehicles available for use.

The following chart provides the primary fuel used to heat houses in 38574:

House Heating Fuel Used in 38574 in 2020-2024

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Percent
Gas 38.5
Electricity 46.1
Fuel oil, kerosene, etc 1.3
All other fuels 13.9
No fuel used 0.1

In 2020-2024, the median property value for owner-occupied houses in 38574 was $196,800.

Of the owner-occupied households, 45.8 % had a mortgage. 54.2% owned their houses "free and clear," that is without a primary mortgage or loan on the house. The median monthly housing costs for owners with a mortgage was $1,131 and for owners without a mortgage it was $382.

For renter-occupied houses, the median gross rent for 38574 was $754. Gross rent includes the monthly contract rent and any monthly payments made for electricity, gas, water and sewer, and any other fuels to heat the house.