Cross Plains, TN · standard
ZIP Code 37049
Robertson County, Tennessee - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 3,244
- 47/sq mi Moderate-density area
- $90,048
- Median income Above-median income area
- $368,800
- Median home value Above-median home value
- 22.4%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Cross Plains pairs an above-median household income with upper-quartile home values, in a rural, homeowner-dominated area.
- Top 27%
- household income, US ZIPs
- Top 24%
- home value, US ZIPs
- 47
- people per sq mi
- 87%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 37049 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 37049 (Cross Plains, TN) rose +10.4% from 2023 to 2024. The all-transactions index moved from 275.6 in 2023 to 304.3 in 2024 (2000 = 100).
ZIP code 37049 covers 68.7 square miles in Cross Plains, Robertson County, Tennessee (a standard USPS delivery area), with a modest 3,244 residents on file, a density of 47 people per square mile, in the Chicago time zone.
ZIP 37049 lands in the middle-income range, with a median household income of $90,048 (36% above the average Tennessee ZIP), while per-capita income is $35,722. Both reported hardship measures are comparatively low in absolute terms: poverty is 3.2% and unemployment is 3.7%. Housing is both higher-cost and owner-heavy: median home value is $368,800 (49% above the average Tennessee ZIP), while 87.1% of occupied homes are owner-occupied and median rent is $1,107.
Educational attainment sits below the national norm: 22.4% of adults hold a bachelor's degree or higher, the median age is 38.9, and the average commute is 35 minutes. The page also surfaces 4 ZIP codes within roughly 10 miles and 5 more in Robertson County, so 37049 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 37049
Top 5 sectors by establishment count in Cross Plains, TN
Which industries have the most business establishments in ZIP 37049.
- Retail trade
Retail trade
8 establishments
- Other services (except public administration)
Other services (except public administration)
8 establishments
- Construction
Construction
7 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
4 establishments
- Manufacturing 3
Manufacturing
3 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 37049, Cross Plains, 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
3,244
Population
68.7
Area (sq mi)
47
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 37049?
38.9
Median Age
51.9%
Male
48.1%
Female
1.9%
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?
$90,048
Median Household Income
+36% vs state ZIP avg
$35,722
Per Capita Income
3.2%
Poverty Rate
3.7%
Unemployment Rate
35.1 min
Mean Commute Time
How ZIP 37049 ranks among Tennessee ZIPs
Cross Plains, 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)
$90,048 Top 13% higher than 87% 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
1,516housing units
1,516
Total Housing Units
1,469
Occupied Units
47
Vacant Units
2.83
Avg Household Size
Occupancy Type
$368,800
Median Home Value
+49% vs state ZIP avg
$1,107
Median Rent
1997
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
+10.4%
YoY Change (2024)
304
HPI Index (2000 = 100)
+204%
Total Change Since 2000
Home values in ZIP 37049 have increased 10.4% over the past year (2024). Since 2000, this ZIP has seen +204% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.7% | 191 |
| 2021 | +18.4% | 226 |
| 2022 | +15.5% | 261 |
| 2023 | +5.8% | 276 |
| 2024 | +10.4% | 304 |
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 45 business establishments in ZIP 37049, employing approximately 253 people with a combined annual payroll of $12,314,000.
45
Businesses
253
Employees
$12.3M
Annual Payroll
7
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 8 | 17.8% |
| Other services (except public administration) | 8 | 17.8% |
| Construction | 7 | 15.6% |
| Professional, scientific, and technical services | 4 | 8.9% |
| Manufacturing | 3 | 6.7% |
| Administrative and support and waste management and remediation services | 3 | 6.7% |
| Accommodation and food services | 3 | 6.7% |
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 37049 vs 37141 →
ZIP 37049 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 37188
White House (37188)
13,643 residents
- 37073
Greenbrier (37073)
13,350 residents
- 37048
Cottontown (37048)
6,030 residents
- 37049 3,244
Cross Plains (37049)
3,244 residents
- 37141 1,224
Orlinda (37141)
1,224 residents
What this shows Among its immediate neighbors, ZIP 37049 ranks #4 by population - useful context the national average alone can't give.
ZIP 37049 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 37048
Cottontown (37048)
$100,446 median income
- 37188
White House (37188)
$90,856 median income
- 37049
Cross Plains (37049)
$90,048 median income
- 37073
Greenbrier (37073)
$89,065 median income
- 37141
Orlinda (37141)
$76,250 median income
What this shows By household income, ZIP 37049 ranks #3 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 37049, 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 (3,244 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Robertson County
Related Areas
Frequently Asked Questions
What county is ZIP code 37049 in?
ZIP code 37049 (Cross Plains) is located in Robertson County, Tennessee. Robertson County contains multiple ZIP codes, see the full list at /counties/robertson-tn.
What is the population of ZIP code 37049?
ZIP code 37049 in Cross Plains, TN has a population of 3,244 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 37049?
The median household income in ZIP 37049 is $90,048, which is 18% above the national average of $76,288.
What is the average home value in ZIP 37049?
The median home value in ZIP 37049 is $368,800, which is 33% above the national average of $278,155.
What is the demographic makeup of ZIP 37049?
The largest racial group in ZIP 37049 is White at 90.9%. Hispanic or Latino residents make up 2.0% of the population.
How many businesses are in ZIP code 37049?
ZIP code 37049 has 45 business establishments employing approximately 253 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 37049?
The top industries by establishment count in ZIP 37049 are: Retail trade (8), Other services (except public administration) (8), Construction (7). There are 7 industry sectors represented in total.
How have home values changed in ZIP code 37049?
According to the FHFA House Price Index, home values in ZIP 37049 increased by 10.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 204%. 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 37049?
In ZIP code 37049, 62.6% of residents aged 25+ have a high school diploma or higher, and 22.4% 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 37049?
The mean commute time for workers in ZIP code 37049 is 35.1 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 37049?
In ZIP code 37049, approximately 87.1% of occupied housing units are owner-occupied and 12.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 37049?
The poverty rate in ZIP code 37049 is 3.2% 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 37049's numbers, next.
- See how ZIP 37049 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Cross Plains, 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.