| City: | Livingston, Tennessee |
| County: | Overton County |
| Timezone: | Central (GMT -06:00) |
| Local Time: | 8:08:03 PM |
| Population: | 9,685 [See All] |
| Area Code: | 931 |
| Classification: | Standard [Normal Street Delivery] |
| Coordinates: | 36.3749, -85.3074 |
| Land Area: | 118.848 sq mi |
| Quick Link: |
ZIP Code 38570 has 9,685 residents and 3,945 households (average 2.40 persons per household). The median age is 44.4 years, older than the state (39.1) and older than the nation (38.8). The gender split is 49.8% male and 50.2% female, which is slightly higher than the state male share (48.7%). Largest groups are White (94.6%, much higher than the state average of 72.2% and well above the national average of 61.6%) and Hispanic or Latino (1.6%); Hispanic or Latino residents make up 1.6%, which is much lower than the national average (18.7%).
Explore More:Population Over TimeBy Age & GenderBy RaceBy GenderNativity & Citizenship
| 2020 Population: | 9,685Source: Census DHC |
| 2024 ACS Population Estimate: | 10,255Source: Census ACS |
| 2026 ZC Population Estimate: | 10,944Source: ZIP-Codes.com |
| Population Density: | 81.5 people per sq mile |
| Average Income: | $41,785Source: Census ACS |
| Households: | 3,945Source: Census DHC |
| Average House Value: | $163,800Source: Census ACS |
| Persons Per Household: | 2.40Source: Census DHC |
| Average Family Size: | 3.04Source: Census ACS |
| Group | 2010 | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Census ACS Population Estimate | -- | 10,014 | 10,086 | 9,626 | 9,705 | 9,407 | 9,204 | 9,256 | 9,403 | 9,325 | 9,802 | 10,062 | 10,113 | 10,020 | 10,255 |
| Decennial Census | 9,898 | -- | -- | -- | -- | -- | -- | -- | -- | -- | 9,685 | -- | -- | -- | -- |
Median Age: 44.4
Male Median Age: 41.8
Female Median Age: 46.4
| Group | < 5 | 5-9 | 10-14 | 15-19 | 20-24 | 25-29 | 30-34 | 35-39 | 40-44 | 45-49 | 50-54 | 55-59 | 60-64 | 65-69 | 70-74 | 75-79 | 80-84 | 85+ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Male | 293 | 312 | 301 | 328 | 275 | 312 | 248 | 229 | 267 | 305 | 305 | 379 | 310 | 314 | 298 | 166 | 110 | 72 |
| Female | 262 | 259 | 263 | 297 | 286 | 249 | 256 | 210 | 266 | 297 | 358 | 316 | 357 | 321 | 333 | 225 | 158 | 148 |
| Total | 555 | 571 | 564 | 625 | 561 | 561 | 504 | 439 | 533 | 602 | 663 | 695 | 667 | 635 | 631 | 391 | 268 | 220 |
| White: | 9,165 | 96.63% |
| Black: | 52 | 0.55% |
| Hispanic:* | 158 | 1.67% |
| Asian: | 35 | 0.37% |
| American Indian: | 28 | 0.30% |
| Hawaiian: | 0 | 0% |
| Other: | 47 | 0.50% |
| Total: | 9,485 | 100% |
| Gender | Count | % | Median Age |
|---|---|---|---|
| Males: | 4,824 | 49.81% | 41.8 years |
| Females: | 4,861 | 50.19% | 46.4 years |
| Total: | 9,685 | 100% | 44.4 years |
| Native, born in the United States: | 10,131 | 98.79% |
| Native, born in PR, Island Areas, or abroad: | 16 | 0.16% |
| Foreign born, naturalized U.S. citizen: | 64 | 0.62% |
| Foreign born, not a U.S. citizen: | 44 | 1.05% |
| Total Population: | 10,255 | 100% |
| Total Native Population: | 10,147 | 98.95% |
| Total Foreign-born Population: | 108 | 1.05% |
In 2024, the Median household income is $41,785, which is well under the national median ($80,734), is up $3,919 (10.3%) since 2011 and above its 2019 pre-pandemic level by $7,264. Family households earn a median of $68,969 versus $26,557 for nonfamily households (a difference of $42,412). By gender, male median income is $48,510 and female is $36,929, which is well under the national female median ($55,274), with a current gap of $11,581 that has widened from 2011 to 2024. The labor-force participation rate is 58.6%, which is lower than the national rate (63.5%). The unemployment rate is 3.0%, which is much lower than the national rate (5.2%). The largest occupation group is Management (28.1%).
Explore More:Income Over TimeHousehold IncomeEmployment StatusBy Occupation
| Income Type | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Household Income | $37,866 | $36,547 | $36,204 | $34,870 | $33,804 | $34,254 | $35,171 | $35,870 | $34,521 | $31,786 | $34,485 | $37,761 | $37,652 | $41,785 |
| Median Family Income | $50,653 | $49,544 | $49,355 | $48,250 | $47,188 | $50,259 | $52,047 | $54,318 | $52,822 | $46,507 | $56,816 | $64,250 | $65,840 | $68,969 |
| Median NonFamily Income | $17,861 | $18,811 | $17,755 | $18,278 | $18,734 | $19,545 | $19,772 | $19,565 | $19,370 | $20,292 | $22,332 | $27,555 | $27,062 | $26,557 |
| Median Male Income | $35,407 | $34,050 | $36,734 | $33,860 | $36,250 | $36,946 | $36,021 | $32,500 | $37,854 | $39,268 | $43,194 | $53,550 | $51,667 | $48,510 |
| Median Female Income | $28,448 | $27,733 | $26,941 | $27,642 | $28,518 | $29,733 | $32,454 | $33,929 | $36,602 | $32,667 | $37,572 | $38,967 | $35,604 | $36,929 |
| Employed: | 4,794 | 56.81% |
| Unemployed: | 149 | 1.77% |
| Not In Labor Force: | 3,496 | 41.43% |
| Total: | 8,439 | 100% |
| Management, business, science, and arts: | 1,345 | 28.06% |
| Service: | 859 | 17.92% |
| Sales and Office: | 851 | 17.75% |
| Natural resources, construction, and maintenance: | 777 | 16.21% |
| Production, transportation, and material moving: | 962 | 20.07% |
| Total Civilian Employed Population: | 4,794 | 100% |
In 2024, the median home value is $163,800, which is far less than the national median ($332,700), is up $65,500 (66.63%) since 2011 and above its 2019 pre-pandemic level by $46,400. The median gross rent is $754, which is well under the national median ($1,413), is up $267 (54.83%) since 2011 and above its 2019 pre-pandemic level by $226. Of occupied housing, owners make up 73.49% (37.67% with a mortgage, 62.33% free-and-clear) and renters 26.51% - making this ZIP Code under national rental averages. The vacancy rate is 11.52%, which is considerably higher than the national rate (10.12%).
Explore More:Compare Home ValueHome Value Over TimeRent & Over TimeHousing Occupancy
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Home Value | $98,300 | $94,800 | $97,900 | $100,100 | $105,800 | $107,400 | $116,200 | $112,900 | $117,400 | $117,700 | $127,500 | $141,200 | $155,100 | $163,800 |
| Less than $500: | 167 | 15.42% |
| $500 to $999: | 370 | 34.16% |
| $1,000 to $1,499: | 202 | 18.65% |
| $1,500 to $1,999: | 56 | 5.17% |
| $2,000 to $2,499: | 0 | 0.00% |
| $2,500 to $2,999: | 8 | 0.74% |
| $3,000 or more: | 0 | 0.00% |
| No Rent: | 280 | 25.85% |
| Total: | 1,083 | 100% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Rent | $487 | $520 | $499 | $463 | $518 | $490 | $477 | $491 | $528 | $546 | $600 | $779 | $792 | $754 |
| Owner Occupied (with mortgage): | 1,131 | 27.69% |
| Owner Occupied (free and clear, no mortgage): | 1,871 | 45.80% |
| Renter Occupied: | 1,083 | 26.51% |
| Total Occupied Housing Units: | 4,085 | 100% |
| Occupied Housing Units: | 4,085 | 88.48% |
| Vacant Housing Units (not graphed): | 532 | 11.52% |
| Total Housing Units: | 4,617 | 100% |
| Single-Family Units: | 3,704 | 80.23% |
| Multi-Family Units: | 206 | 4.46% |
| Other Units: | 707 | 15.31% |
| Total Housing Units: | 4,617 | 100% |
In 2024, 15.70% of adults (25+) have a bachelor's degree or higher, which is far lower than the national rate (35.70%). High school or higher is 85.20%, which is falls below the national rate (89.60%). The uninsured rate is 8.40%, which is comparable to the national rate (8.40%). Public coverage is 49.80%, which is well above the national rate (36.70%). The share of people in poverty is 11.70%, which is comparable to the national rate (8.80%), down 0.40 percentage points since 2011 and above its 2019 pre-pandemic level by 2.90 percentage points. Poverty has been broadly stable, which may reflect structural barriers or offsetting gains and setbacks. Among residents ages 3+, the largest enrollment group is elementary (44.59%). College enrollment is 13.23%, which is far lower than the national rate (26.70%), indicating the community may be more oriented toward vocational/trade or direct-to-workforce opportunities.
Explore More:Educational AttainmentHealth InsurancePoverty Over TimeSchool Enrollment
| Less than 9th grade: | 541 | 7.35% |
| 9th to 12th grade, no diploma: | 550 | 7.47% |
| High school graduate (includes equivalency): | 3,329 | 45.22% |
| Some college, no degree: | 1,357 | 18.43% |
| Associate's degree: | 430 | 5.84% |
| Bachelor's degree: | 816 | 11.08% |
| Graduate or professional degree: | 339 | 4.60% |
| Total: | 7,362 | 100% |
| High school or higher: | 6,271 | 85.18% |
| Bachelor's degree or higher: | 1,155 | 15.69% |
| Private Insurance: | 6,143 | 51.20% |
| Public Insurance: | 5,012 | 41.78% |
| No Insurance: | 842 | 7.02% |
| Total: | 11,997 | 100% |
| Has Health Insurance: | 11,155 | 92.98% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| % of People in Poverty | 16.2% | 12.9% | 13.2% | 11.3% | 12.8% | 10.0% | 11.6% | 8.4% | 12.9% | 17.7% | 17.3% | 15.8% | 15.8% | 11.7% |
Note: Counts of Families & People in poverty are not published at the ZIP Code level due to small sample sizes. Percentages shown are survey estimates from the American Community Survey (ACS). They may differ from official poverty statistics. The U.S. Census Bureau defines poverty status by comparing a family's or individual's total income with federal poverty thresholds that vary by family size and composition.
| Nursery School, Preschool: | 120 | 6.18% |
| Kindergarten: | 166 | 8.55% |
| Elementary school (grades 1-8): | 866 | 44.59% |
| High school (grades 9-12): | 533 | 27.45% |
| College or graduate school: | 257 | 13.23% |
| Total: | 1,942 | 100% |
| Early Childhood: | 286 | 14.73% |
| K-12 (Primary & Secondary School): | 1,565 | 80.59% |
ZIP Code 38570 supports both business and residential activity. According to the Business Census (2024), there are 265 business establishments, employing about 4,352 people with an annual payroll of $194,334,000. USPS data shows 4,560 residential mailboxes and 441 business mailboxes, reflecting local delivery coverage.
| # Residential Mailboxes: | 4,560Source: USPS |
| # Business Mailboxes: | 441Source: USPS |
| Total Delivery Receptacles: | 5,268Source: USPS |
| Single Family Delivery Units: | 4,278Source: USPS |
| Multi Family Delivery Units: | 41Source: USPS |
| # of Businesses: | 265Source: CBP |
| 1st Quarter Payroll: | $47,235,000Source: CBP |
| Annual Payroll: | $194,334,000Source: CBP |
| # of Employees: | 4,352Source: CBP |
ZIP Code 38570 is located in Overton County, Tennessee, within the Cookeville, TN Metropolitan Statistical Area (CBSA 18260) and Tennessee's 6th Congressional District. This Micro area has a population of 106,042 people, about 9.13% of whom live in ZIP Code 38570. It covers 118.848 sq mi of land and a water area of 0.088 sq mi.
| CBSA Name: | Cookeville, TNSource: Census |
| CBSA Number: | 18260Source: Census |
| CBSA Type: | MicroSource: Census |
| CBSA Division: | --Source: Census |
| CBSA Population: | 106,042Source: Census |
| MSA: | Source: Census |
| Land Area: | 118.848 sq miSource: Census |
| Water Area: | 0.088 sq miSource: Census |
| Congressional District: | 06Source: USPS |
| Congressional Land Area: | 6474.21 sq miSource: Census |
| PMSA: | Source: Census |
| Intro Date: | < 2004-10Source: ZIP-Codes.com |
| Place FIPS Code: | 4743140Source: Census |
| Place Name: | Livingston town; TennesseeSource: Census |
ZIP Code 38570 is in the Overton County School District, which serves grades Pre-Kindergarten thru 12th. There are 4 public schools and 1 private school(s) in this ZIP Code. It also has 6 colleges, universities or post secondary education institutions nearby which would be a short commute to.
Our sources include trusted federal and licensed data from the United States Postal Service, U.S. Census Bureau, U.S. Geological Survey, Centers for Medicare & Medicaid Services, and the National Center for Education Statistics, along with proprietary datasets created by ZIP-Codes.com. Data last updated on February 1, 2026.