Clarksville, TN · standard
ZIP Code 37040
Montgomery County, Tennessee - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 44,924
- 188/sq mi High-density area
- $67,745
- Median income Near-median income area
- $270,000
- Median home value Near-median home value
- 29.0%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Clarksville pairs a below-median household income with above-median home values, in a rural, mixed-tenure area.
- 43rd pct
- household income, US ZIPs
- Top 39%
- home value, US ZIPs
- 188
- people per sq mi
- 58%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 37040 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 37040 (Clarksville, TN) rose +2.1% from 2023 to 2024. The all-transactions index moved from 277.6 in 2023 to 283.6 in 2024 (2000 = 100).
ZIP code 37040 is a densely settled ZIP (a standard USPS delivery area) in Clarksville, Montgomery County, Tennessee, with 44,924 residents across 239.3 square miles, a density of 188 people per square mile, in the Chicago time zone.
ZIP 37040 reports a modest median household income of $67,745 (2% above the average Tennessee ZIP), while per-capita income is $31,500. The poverty rate is 16.0%, with unemployment at 6.0%; those measures add context to the income figure. Median home value is $270,000 (9% above the average Tennessee ZIP) and median rent is $1,266; 57.8% of occupied homes are owner-occupied.
Educational attainment sits below the national norm: 29.0% of adults hold a bachelor's degree or higher, the median age is 31.4, and the average commute is 29 minutes. The page also surfaces 4 ZIP codes within roughly 10 miles and 6 more in Montgomery County, so 37040 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 37040
Top 5 sectors by establishment count in Clarksville, TN
Which industries have the most business establishments in ZIP 37040.
- Retail trade
Retail trade
308 establishments
- Accommodation and food services
Accommodation and food services
217 establishments
- Other services (except public administration)
Other services (except public administration)
157 establishments
- Health care and social assistance
Health care and social assistance
139 establishments
- Construction
Construction
138 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 37040, Clarksville, 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
44,924
Population
239.3
Area (sq mi)
188
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 37040?
31.4
Median Age
49.4%
Male
50.6%
Female
7.1%
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?
$67,745
Median Household Income
+2% vs state ZIP avg
$31,500
Per Capita Income
16.0%
Poverty Rate
6.0%
Unemployment Rate
28.8 min
Mean Commute Time
How ZIP 37040 ranks nationally
Clarksville, TN household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$67,745 43rd percentile higher than 43% of 30,318 US ZIPs
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
26,100housing units
26,100
Total Housing Units
24,705
Occupied Units
1,395
Vacant Units
2.52
Avg Household Size
Occupancy Type
$270,000
Median Home Value
+9% vs state ZIP avg
$1,266
Median Rent
2001
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
+2.1%
YoY Change (2024)
284
HPI Index (2000 = 100)
+184%
Total Change Since 2000
Home values in ZIP 37040 have increased 2.1% over the past year (2024). Since 2000, this ZIP has seen +184% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.3% | 183 |
| 2021 | +17.7% | 215 |
| 2022 | +23.3% | 266 |
| 2023 | +4.6% | 278 |
| 2024 | +2.1% | 284 |
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 1,543 business establishments in ZIP 37040, employing approximately 30,869 people with a combined annual payroll of $1,444,421,000.
1,543
Businesses
30,869
Employees
$1.4B
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 308 | 20.0% |
| Accommodation and food services | 217 | 14.1% |
| Other services (except public administration) | 157 | 10.2% |
| Health care and social assistance | 139 | 9.0% |
| Construction | 138 | 8.9% |
| Professional, scientific, and technical services | 100 | 6.5% |
| Finance and insurance | 93 | 6.0% |
| Administrative and support and waste management and remediation services | 84 | 5.4% |
| Real estate and rental and leasing | 79 | 5.1% |
| Wholesale trade | 66 | 4.3% |
| Manufacturing | 59 | 3.8% |
| Transportation and warehousing | 35 | 2.3% |
| Arts, entertainment, and recreation | 25 | 1.6% |
| Information | 22 | 1.4% |
| Educational services | 13 | 0.8% |
| Management of companies and enterprises | 6 | 0.4% |
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 37040 vs 37043 →
ZIP 37040 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 37042
Clarksville (37042)
66,916 residents
- 37040
Clarksville (37040)
44,924 residents
- 37043
Clarksville (37043)
39,945 residents
- 42223 19,837
Fort Campbell (42223)
19,837 residents
- 37052 2,656
Cunningham (37052)
2,656 residents
What this shows Among its immediate neighbors, ZIP 37040 ranks #2 by population - useful context the national average alone can't give.
ZIP 37040 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 37043
Clarksville (37043)
$95,219 median income
- 37042
Clarksville (37042)
$70,393 median income
- 37052
Cunningham (37052)
$69,423 median income
- 37040
Clarksville (37040)
$67,745 median income
- 42223
Fort Campbell (42223)
$61,598 median income
What this shows By household income, ZIP 37040 ranks #4 of 5 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 37040, 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 (44,924 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Montgomery County
Related Areas
Frequently Asked Questions
What county is ZIP code 37040 in?
ZIP code 37040 (Clarksville) is located in Montgomery County, Tennessee. Montgomery County contains multiple ZIP codes, see the full list at /counties/montgomery-tn.
What is the population of ZIP code 37040?
ZIP code 37040 in Clarksville, TN has a population of 44,924 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 37040?
The median household income in ZIP 37040 is $67,745, which is 11% below the national average of $76,288.
What is the average home value in ZIP 37040?
The median home value in ZIP 37040 is $270,000, which is 3% below the national average of $278,155.
What is the demographic makeup of ZIP 37040?
The largest racial group in ZIP 37040 is White at 58.3%. Hispanic or Latino residents make up 12.2% of the population.
How many businesses are in ZIP code 37040?
ZIP code 37040 has 1,543 business establishments employing approximately 30,869 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 37040?
The top industries by establishment count in ZIP 37040 are: Retail trade (308), Accommodation and food services (217), Other services (except public administration) (157). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 37040?
According to the FHFA House Price Index, home values in ZIP 37040 increased by 2.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 184%. 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 37040?
In ZIP code 37040, 55.7% of residents aged 25+ have a high school diploma or higher, and 29.0% 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 37040?
The mean commute time for workers in ZIP code 37040 is 28.8 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 37040?
In ZIP code 37040, approximately 57.8% of occupied housing units are owner-occupied and 42.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 37040?
The poverty rate in ZIP code 37040 is 16.0% 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 37040's numbers, next.
- See how ZIP 37040 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Clarksville, 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.