Zip Code 38120
TN · Population: 13,554
About Zip Code 38120
Zip code 38120 is located in Tennessee and is home to approximately 13,554 residents. It receives an overall grade of B (score: 60/100), based on safety, affordability, quality of life, and employment metrics.
Crime rates here are considerably above the national average. Safety is a significant concern in this area.
With a median household income of $112,700 and home values around $424,800, this zip code offers strong affordability. Residents typically spend a manageable share of their income on housing.
The community is highly educated — 70.1% of adults hold a bachelor's degree or higher, well above the national average of ~33%.
The local job market is strong, with an unemployment rate of just 1.9%.
Scores are percentile-based: a score of 85 means this zip code ranks better than 85% of all US zip codes on that dimension. Data is sourced from the US Census Bureau (ACS 5-year estimates) and the FBI Uniform Crime Report.
Demographics & Economics
Score Breakdown
| Dimension | Score | Grade | Interpretation |
|---|---|---|---|
| Safety | 12 | F | Lower crime = higher score |
| Affordability | 78 | B+ | Lower cost relative to income = higher |
| Quality of Life | 74 | B+ | Education, commute, ownership |
| Jobs & Economy | 76 | B+ | Lower unemployment = higher |
| Overall | 60 | B | Weighted average |
Methodology
All scores are percentile-based (0–100): a score of 85 means this zip code ranks better than 85% of all US zip codes on that metric. Safety uses FBI Uniform Crime Report state-level data (Phase 2 will add zip-level granularity). Economic and demographic data is from the US Census Bureau American Community Survey (ACS) 5-year estimates (2022).