PlainZIP

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
$67,745
Median income
$270,000
Median home value
29.0%
Bachelor's or higher

The verdict

Clarksville pairs a below-median household income with above-median home values, in a rural, mixed-tenure area.

43th 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.

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 Tennessee average), while per-capita income is $31,500. The poverty rate stands at 16.0% and the unemployment rate at 6.0%. On housing, the median home value is $270,000 (9% above the state average) with median rent at $1,266 per month, and 57.8% of occupied units 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. Beyond these figures, 4 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Montgomery County, letting you compare 37040 to its immediate surroundings rather than a national baseline 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 37040

Top 5 sectors by establishment count in Clarksville, TN

Which industries have the most business establishments in ZIP 37040.

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 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

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 37040?

31.4

Median Age

49.4%

Male

50.6%

Female

7.1%

Foreign-Born

White 58.3%
African American 23.8%
Asian 2.1%
American Indian or Alaska Native 0.4%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 12.7%
Hispanic or Latino 12.2%

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

$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

$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%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $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 55.7%
Bachelor's Degree or Higher 29.0%

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

What does housing look like?

26,100

Total Housing Units

24,705

Occupied Units

1,395

Vacant Units

2.52

Avg Household Size

Occupancy Type

Owner 57.8%
Renter 42.2%

$270,000

Median Home Value

+9% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 37040 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 37040 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 37040 ranks #4 of 5 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
37043 Clarksville, TN 39,945 5.9 mi
37042 Clarksville, TN 66,916 5.6 mi
37052 Cunningham, TN 2,656 11.0 mi
42223 Fort Campbell, KY 19,837 10.2 mi

More ZIP Codes in Montgomery County

37042 standard
Clarksville, TN
Pop: 66,916
37043 standard
Clarksville, TN
Pop: 39,945
37010 standard
Adams, TN
Pop: 4,679
37191 standard
Woodlawn, TN
Pop: 4,020
37052 standard
Cunningham, TN
Pop: 2,656
37142 standard
Palmyra, TN
Pop: 1,902

Related Areas

Montgomery County Clarksville, TN Tennessee

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.

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