ZIP Code 37020
standardSource:
Bell Buckle · Bedford County · Tennessee
- Population
- 5,036
- Median income
- $86,034
- Median home value
- $345,100
- Bachelor's or higher
- 27.7%
- Land area
- 249.3 sq mi
20/sq mi
▲ 13% vs US
higher than 69% of US ZIPs
▲ 24% vs US
higher than 73% of US ZIPs
Median age 41.4
Chicago
ZIP code 37020 in Bell Buckle, Tennessee has a population of 5,036. The median household income is $86,034, which is 13% above the national average. Median home value is $345,100, 24% above the US average. 27.7% of residents hold a bachelor's degree or higher.
ZIP code 37020 is classified by USPS as a standard delivery area and covers roughly 249.3 square miles in Bell Buckle, Bedford County, Tennessee. The area is home to 5,036 residents, producing a population density of 20 people per square mile, and falls within the Chicago time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 37020 against Tennessee and the nation.
On the economic side, the median household income for ZIP 37020 sits at $86,034 (29% above the Tennessee average), while per-capita income is $43,451. The poverty rate stands at 5.2% and the unemployment rate at 2.0%. On housing, the median home value is $345,100 (39% above the state average) with median rent at $1,151 per month, and 95.3% of occupied units are owner-occupied, a direct signal of whether 37020 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 27.7% of adults hold a bachelor's degree or higher, the median age is 41.4, and the average commute is 31 minutes. We also surface 2 nearby ZIP codes within roughly 10 miles and 4 additional ZIPs sharing Bedford County, so you can benchmark 37020 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 37020
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 37020.
- Retail trade
Retail trade
17 establishments
- Construction
Construction
13 establishments
- Transportation and warehousing
Transportation and warehousing
8 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
7 establishments
- Other services (except public administration)
Other services (except public administration)
7 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 37020, Bell Buckle, TN · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.
Quick Facts
5,036
Population
249.3
Area (sq mi)
20
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 37020?
41.4
Median Age
48.6%
Male
51.4%
Female
3.8%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$86,034
Median Household Income
+29% vs state
$43,451
Per Capita Income
5.2%
Poverty Rate
2.0%
Unemployment Rate
31.3 min
Mean Commute Time
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
2,110
Total Housing Units
1,998
Occupied Units
112
Vacant Units
2.46
Avg Household Size
Occupancy Type
$345,100
Median Home Value
+39% vs state
$1,151
Median Rent
2000
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
-3.2%
YoY Change (2024)
324
HPI Index (2000 = 100)
+224%
Total Change Since 2000
Home values in ZIP 37020 have decreased 3.2% over the past year (2024). Since 2000, this ZIP has seen +224% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.5% | 217 |
| 2021 | +15.5% | 250 |
| 2022 | +26.8% | 318 |
| 2023 | +5.3% | 334 |
| 2024 | -3.2% | 324 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 72 business establishments in ZIP 37020, employing approximately 495 people with a combined annual payroll of $23,503,000.
72
Businesses
495
Employees
$23.5M
Annual Payroll
9
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 17 | 23.6% |
| Construction | 13 | 18.1% |
| Transportation and warehousing | 8 | 11.1% |
| Administrative and support and waste management and remediation services | 7 | 9.7% |
| Other services (except public administration) | 7 | 9.7% |
| Accommodation and food services | 5 | 6.9% |
| Manufacturing | 4 | 5.6% |
| Professional, scientific, and technical services | 3 | 4.2% |
| Health care and social assistance | 3 | 4.2% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 37020 vs 37037 →
More ZIP Codes in Bedford County
Related Areas
Frequently Asked Questions
What county is ZIP code 37020 in? ▼
What is the population of ZIP code 37020? ▼
What is the median household income in ZIP 37020? ▼
What is the average home value in ZIP 37020? ▼
What is the demographic makeup of ZIP 37020? ▼
How many businesses are in ZIP code 37020? ▼
What are the main industries in ZIP code 37020? ▼
How have home values changed in ZIP code 37020? ▼
What is the education level in ZIP code 37020? ▼
What is the average commute time in ZIP 37020? ▼
What percentage of residents own vs. rent in ZIP 37020? ▼
What is the poverty rate in ZIP code 37020? ▼
ZIP Code Research Guides
Official Data Resources for Bell Buckle, TN
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
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Read our methodology , how this data is sourced, computed, and verified.