ZIP 38040 vs ZIP 38037

This side-by-side compares ZIP 38040 (Halls, TN) and ZIP 38037 (Gates, TN) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 38040 has a population of 5,193 at 18 people per square mile, while ZIP 38037 has 1,773 at 14 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 38040 reports a median household income of $49,833 against $51,976 in ZIP 38037, with per-capita income of $33,312 vs $23,560. The share of adults holding a bachelor's degree or higher is 10.8% in 38040 and 9.3% in 38037. Poverty rate reads 19.1% vs 28.1%, and unemployment 3.5% vs 14.1% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $148,800 in 38040 versus $88,700 in 38037, with median rent of $654 and $598 per month respectively. Homeownership rate is 59.8% vs 64.1%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.