PlainZIP

Bell Buckle, TN · standard

ZIP Code 37020

Bedford County, Tennessee - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

5,036
20/sq mi
$86,034
Median income
$345,100
Median home value
27.7%
Bachelor's or higher

The verdict

Bell Buckle pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.

Top 31%
household income, US ZIPs
Top 27%
home value, US ZIPs
20
people per sq mi
95%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 37020 against every reporting US ZIP.

ZIP code 37020 is a mid-sized community (a standard USPS delivery area) in Bell Buckle, Bedford County, Tennessee, home to 5,036 residents across 249.3 square miles, a density of 20 people per square mile, in the Chicago time zone.

ZIP 37020 lands in the middle-income range, with a median household income of $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.

Educational attainment sits below the national norm: 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 on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 37020

Top 5 sectors by establishment count in Bell Buckle, TN

Which industries have the most business establishments in ZIP 37020.

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 · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, 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; 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

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 37020?

41.4

Median Age

48.6%

Male

51.4%

Female

3.8%

Foreign-Born

White 87.9%
African American 4.5%
Asian 2.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.8%
Hispanic or Latino 5.0%

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

How ZIP 37020 ranks nationally

Bell Buckle, TN household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$86,034 Top 31% higher than 69% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 54.8%
Bachelor's Degree or Higher 27.7%

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

Owner 95.3%
Renter 4.7%

$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 →

ZIP 37020 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 37020 ranks #2 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 37020 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 37020 ranks #2 of 3 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
37037 Christiana, TN 6,312 6.0 mi
37183 Wartrace, TN 3,229 10.0 mi

More ZIP Codes in Bedford County

37160 standard
Shelbyville, TN
Pop: 32,744
37144 standard
Petersburg, TN
Pop: 3,344
37183 standard
Wartrace, TN
Pop: 3,229
37180 standard
Unionville, TN
Pop: 3,033

Related Areas

Bedford County Bell Buckle, TN Tennessee

Frequently Asked Questions

What county is ZIP code 37020 in? ▼
ZIP code 37020 (Bell Buckle) is located in Bedford County, Tennessee. Bedford County contains multiple ZIP codes, see the full list at /counties/bedford-tn.
What is the population of ZIP code 37020? ▼
ZIP code 37020 in Bell Buckle, TN has a population of 5,036 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 37020? ▼
The median household income in ZIP 37020 is $86,034, which is 13% above the national average of $76,288.
What is the average home value in ZIP 37020? ▼
The median home value in ZIP 37020 is $345,100, which is 24% above the national average of $278,155.
What is the demographic makeup of ZIP 37020? ▼
The largest racial group in ZIP 37020 is White at 87.9%. Hispanic or Latino residents make up 5.0% of the population.
How many businesses are in ZIP code 37020? ▼
ZIP code 37020 has 72 business establishments employing approximately 495 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 37020? ▼
The top industries by establishment count in ZIP 37020 are: Retail trade (17), Construction (13), Transportation and warehousing (8). There are 9 industry sectors represented in total.
How have home values changed in ZIP code 37020? ▼
According to the FHFA House Price Index, home values in ZIP 37020 decreased by 3.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 224%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 37020? ▼
In ZIP code 37020, 54.8% of residents aged 25+ have a high school diploma or higher, and 27.7% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 37020? ▼
The mean commute time for workers in ZIP code 37020 is 31.3 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 37020? ▼
In ZIP code 37020, approximately 95.3% of occupied housing units are owner-occupied and 4.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 37020? ▼
The poverty rate in ZIP code 37020 is 5.2% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.