ZIP Code 38951

Derma, in ZIP code 38951, sits firmly in working-class territory, with a median household income of $40,568 and per-capita income of $20,480. Homes here carry a median value of $60,100, and the county-level property tax rate of 0.66% keeps annual bills low in dollar terms. Sales tax runs 7.00%, a cost that falls on everyday purchases. Households earning around $40,000 face a tax picture shaped more by consumption than by property, since home values are low enough that even the combined rates take a smaller bite than they would in pricier markets.