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 Moderate-density area
- $86,034
- Median income Above-median income area
- $345,100
- Median home value Above-median home value
- 27.7%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 37020 (Bell Buckle, TN) fell -3.2% from 2023 to 2024. The all-transactions index moved from 334.4 in 2023 to 323.7 in 2024 (2000 = 100).
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 average Tennessee ZIP), while per-capita income is $43,451. Both reported hardship measures are comparatively low in absolute terms: poverty is 5.2% and unemployment is 2.0%. Housing is both higher-cost and owner-heavy: median home value is $345,100 (39% above the average Tennessee ZIP), while 95.3% of occupied homes are owner-occupied and median rent is $1,151.
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. The page also surfaces 2 ZIP codes within roughly 10 miles and 4 more in Bedford County, so 37020 can be compared with both its immediate and county-level context.
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.
- 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 + 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
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 ZIP avg
$43,451
Per Capita Income
5.2%
Poverty Rate
2.0%
Unemployment Rate
31.3 min
Mean Commute Time
How ZIP 37020 ranks among Tennessee ZIPs
Bell Buckle, TN household income vs. every Tennessee ZIP code
Median household income among 593 reporting Tennessee ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$86,034 Top 16% higher than 84% of 593 Tennessee ZIPs
Each bar is a $20K-wide band; taller bars hold more Tennessee 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
2,110housing units
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 ZIP avg
$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.
- 37037
Christiana (37037)
6,312 residents
- 37020
Bell Buckle (37020)
5,036 residents
- 37183
Wartrace (37183)
3,229 residents
What this shows Among its immediate neighbors, ZIP 37020 ranks #2 by population - useful context the national average alone can't give.
ZIP 37020 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 37037
Christiana (37037)
$102,645 median income
- 37020
Bell Buckle (37020)
$86,034 median income
- 37183
Wartrace (37183)
$81,126 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 37020, both outside TN so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (5,036 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Bedford County
Related Areas
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.
Related
Take this with you
What to do with ZIP 37020's numbers, next.
- See how ZIP 37020 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Bell Buckle, TN ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.