Loretto, TN
Lawrence County · Tennessee · United States
Home to 4,608 people across 69.46 square miles.
At a glance
38469 by the numbers
Every figure below comes from the 2019–2023 American Community Survey 5-Year Estimates, the Census Gazetteer, or is computed from those. Margins of error are shown where they matter.
Location
Where 38469 is
| Coordinates | 35.074631, -87.428316 |
|---|---|
| Time zone | America/Chicago |
| County | Lawrence County |
| State | Tennessee (TN) |
| Land area | 69.46 mi² |
| Coordinate source | Census ZCTA internal point |
Local time
America/Chicago
Current weather
Live from the National Weather Service
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Distance to major cities
Straight-line, computed from coordinates
| Atlanta, GA | 196.0 mi |
|---|---|
| Chicago, IL | 470.2 mi |
| Dallas, TX | 559.8 mi |
| Houston, TX | 590.7 mi |
People
Who lives in 38469
4,608 residents in 1,663 households, averaging 2.77 people per household. The largest age group is under 18 at 25.6% of residents, and 77.0% of households are families.
Age distribution
Share of residents by age band
Households
Composition and size
| Total households | 1,663 |
|---|---|
| Average household size | 2.77 |
| Family households | 77.0% |
| Living alone | 20.6% |
| Median age | 40.9 years |
| Households with internet | 83.1% |
Race & ethnicity
Census race categories. Hispanic or Latino origin is asked separately and overlaps these groups.
Income & work
What people earn in 38469
The median household here earns $62,903 a year, below the US median of $70,109, which puts 38469 ahead of 38% of American ZIP codes. 13.6% of residents live below the poverty line.
Compared to the US
This ZIP against the national median
| Median household income | $62,903 ±$9,758 |
|---|---|
| Per capita income | $28,161 |
| Poverty rate | 13.6% |
| Unemployment rate | 2.8% |
| Labor force participation | 54.6% |
Household income distribution
Share of households in each bracket
Educational attainment among residents 25 and older: 18.6% hold a bachelor's degree or higher, 83.8% finished high school.
Housing
Homes and rent in 38469
A typical home is valued at $161,900, and median rent runs $680 a month. This is an owner-majority area — 86.8% of occupied homes are owned, and the typical building went up in 1980.
Costs
Typical values
| Median home value | $161,900 |
|---|---|
| Median gross rent | $680/mo |
| Median year built | 1980 |
| Housing units | 1,776 |
| Vacancy rate | 6.4% |
Own vs. rent
Of 1,663 occupied units
| Owner households | 1,443 |
|---|---|
| Renter households | 220 |
Building types
Units by structure size
Getting to work
How 38469 commutes
85.1% of workers drove alone, and the average one-way trip takes 27.5 minutes.
Mode of transport
Workers 16 and older
Travel time
Mean commute 27.5 minutes
Overview
Understanding ZIP code 38469
ZIP code 38469 is assigned to Loretto, TN, and falls within Lawrence County. Like every US postal code, it began as a mail-routing device rather than a geographic boundary — the US Postal Service groups delivery routes under a single code so carriers and sorting equipment can process mail efficiently. Today it also serves as a practical shorthand for the area itself: roughly 4,608 people live inside it.
At 66 residents per square mile spread over 69.46 square miles, 38469 reads as a rural area. It is a smaller postal code by population, and density shapes almost everything else on this page — how people get to work, whether they own or rent, and what housing costs.
Household earnings run below the national median. At $62,903, 38469 sits in the lower half, ahead of 38% of them. The US median for comparison is $70,109. Bear in mind that median income describes the midpoint household, not the average — it is not pulled upward by a handful of very high earners the way a mean would be.
Living here
What life in Loretto looks like
Housing in 38469 costs below the national median. A typical home is valued at $161,900 against a US median of $207,500, and median gross rent runs $680 a month. Ownership dominates: 86.8% of occupied homes are owner-occupied, which usually signals an established residential area with relatively low turnover.
The building stock is dominated by detached single-family houses, which account for 80.7% of housing units here. The median construction year is 1980, making the housing here from the later twentieth century.
The population skews broadly in line with the national age profile, with a median age of 40.9 against 42 nationally. The average household holds 2.77 people, and 77.0% are family households.
Getting to work takes 27.5 minutes on average one way. The dominant mode is drove alone at 85.1% of workers.
Where to stay
Where to stay in Loretto, TN
38469 covers a rural area, and accommodation within the postal code itself is likely to be sparse — perhaps a country inn, a lodge or a vacation rental rather than a conventional hotel. Widening the search radius is usually the practical approach, and it also opens up more availability at short notice.
Local costs are modest — median rent here is $680 a month — and accommodation prices in the area tend to be correspondingly reasonable. For reference, Atlanta, GA is about 196.0 miles away in a straight line, which is worth factoring in if you are comparing a stay here against one closer to the city centre.
Availability and pricing change constantly, so the live search below will give you a more accurate picture than any figure we could publish here. It opens results for this area on Booking.com.
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Practical uses
What ZIP code 38469 is used for
Beyond addressing mail, 38469 does a lot of quiet administrative work. Retailers use it to calculate shipping and sales tax at checkout. Insurers use it to set premiums, since risk profiles vary geographically. Employers and marketers use it to define service areas. Government agencies use it to route benefits and organise reporting. If you have ever been asked for a postal code by a form that clearly does not intend to send you anything, this is why.
For anyone weighing a move, 38469 offers a compact profile of Loretto: 4,608 residents, a median household income of $62,903, 18.6% of adults holding a bachelor's degree or higher, and an unemployment rate of 2.8%. A handful of figures like these answer more relocation questions than most neighbourhood guides do.
One caution worth repeating: a postal code is not a neighbourhood. 38469 may cover parts of several distinct areas, and a single neighbourhood in Loretto may be split across more than one code. Boundaries also shift as USPS adjusts delivery routes. Treat the figures here as describing a delivery area, which is what they actually measure.
Nearby
ZIP codes near 38469
The eight closest postal codes by centroid distance, each with its own full profile. You can also browse every Tennessee ZIP code or use the ZIP Express Lookup to search by city, county or time zone.
More in Lawrence County
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Questions
Common questions about 38469
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How big is ZIP code 38469?
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Can ZIP code 38469 change?
Methodology
Where this data comes from
- Postal geography — GeoNames open postal code database (CC BY 4.0), cross-checked against the US Census Gazetteer.
- Demographics, income, housing, commute — US Census Bureau, American Community Survey 2019–2023 5-Year Estimates, ZIP Code Tabulation Area 38469. Tables B01001, B01002, B01003, B02001, B03003, B08301, B08303, B11001, B15003, B17001, B19001, B19013, B19301, B23025, B25002, B25003, B25024, B25035, B25064, B25077, B28002.
- Land and water area — US Census Bureau 2023 Gazetteer Files.
- Weather — NOAA National Weather Service, fetched live in your browser.
- Map — OpenStreetMap contributors (ODbL).