PlainZIP

Liberty, TN · standard

ZIP Code 37095

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

1,854
10/sq mi
$64,792
Median income
$189,200
Median home value
24.1%
Bachelor's or higher

The verdict

Liberty pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.

38th pct
household income, US ZIPs
41th pct
home value, US ZIPs
10
people per sq mi
81%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 37095 against every reporting US ZIP.

ZIP code 37095 covers 191.1 square miles in Liberty, DeKalb County, Tennessee (a standard USPS delivery area), with a modest 1,854 residents on file, a density of 10 people per square mile, in the Chicago time zone.

ZIP 37095 reports a modest median household income of $64,792 (2% below the Tennessee average), while per-capita income is $33,871. 24.2% of residents live below the poverty line, and the unemployment rate reads 1.6%. On housing, the median home value is $189,200 (24% below the state average) with median rent at $531 per month, and 81.2% of occupied units are owner-occupied.

Educational attainment sits below the national norm: 24.1% of adults hold a bachelor's degree or higher, the median age is 53.5, and the average commute is 34 minutes. A geography-based comparison follows: 4 ZIP codes within about 10 miles of 37095, plus 3 more within DeKalb County, give a clearer read than the 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 37095

Top 5 sectors by establishment count in Liberty, TN

Which industries have the most business establishments in ZIP 37095.

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 37095, Liberty, 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

1,854

Population

191.1

Area (sq mi)

10

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 37095?

53.5

Median Age

56.9%

Male

43.1%

Female

0.4%

Foreign-Born

White 96.0%
African American 0.1%
Asian 0.2%
American Indian or Alaska Native 1.4%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 1.6%
Hispanic or Latino 0.2%

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?

$64,792

Median Household Income

-2% vs state

$33,871

Per Capita Income

24.2%

Poverty Rate

1.6%

Unemployment Rate

33.9 min

Mean Commute Time

How ZIP 37095 ranks nationally

Liberty, TN household income vs. every US ZIP code

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

$64,792 38th percentile higher than 38% 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 66.5%
Bachelor's Degree or Higher 24.1%

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

What does housing look like?

864

Total Housing Units

740

Occupied Units

124

Vacant Units

2.29

Avg Household Size

Occupancy Type

Owner 81.2%
Renter 18.8%

$189,200

Median Home Value

-24% vs state

$531

Median Rent

1980

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 18 business establishments in ZIP 37095, employing approximately 45 people with a combined annual payroll of $2,356,000.

18

Businesses

45

Employees

$2.4M

Annual Payroll

3

Industry Sectors

Industry Establishments % of Total
Manufacturing 3 16.7%
Administrative and support and waste management and remediation services 3 16.7%
Other services (except public administration) 3 16.7%

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 37095 vs 37059 →

ZIP 37095 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 37095 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 37095 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 37095 ranks #2 of 4 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
37059 Dowelltown, TN 1,552 3.0 mi
37012 Alexandria, TN 2,292 6.7 mi
37016 Auburntown, TN 793 7.9 mi
38569 Lancaster, TN 363 10.0 mi

More ZIP Codes in DeKalb County

37166 standard
Smithville, TN
Pop: 13,446
37012 standard
Alexandria, TN
Pop: 2,292
37059 standard
Dowelltown, TN
Pop: 1,552

Related Areas

DeKalb County Liberty, TN Tennessee

Frequently Asked Questions

What county is ZIP code 37095 in? ▼
ZIP code 37095 (Liberty) is located in DeKalb County, Tennessee. DeKalb County contains multiple ZIP codes, see the full list at /counties/dekalb-tn.
What is the population of ZIP code 37095? ▼
ZIP code 37095 in Liberty, TN has a population of 1,854 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 37095? ▼
The median household income in ZIP 37095 is $64,792, which is 15% below the national average of $76,288.
What is the average home value in ZIP 37095? ▼
The median home value in ZIP 37095 is $189,200, which is 32% below the national average of $278,155.
What is the demographic makeup of ZIP 37095? ▼
The largest racial group in ZIP 37095 is White at 96.0%. Hispanic or Latino residents make up 0.2% of the population.
How many businesses are in ZIP code 37095? ▼
ZIP code 37095 has 18 business establishments employing approximately 45 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 37095? ▼
The top industries by establishment count in ZIP 37095 are: Manufacturing (3), Administrative and support and waste management and remediation services (3), Other services (except public administration) (3). There are 3 industry sectors represented in total.
What is the education level in ZIP code 37095? ▼
In ZIP code 37095, 66.5% of residents aged 25+ have a high school diploma or higher, and 24.1% 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 37095? ▼
The mean commute time for workers in ZIP code 37095 is 33.9 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 37095? ▼
In ZIP code 37095, approximately 81.2% of occupied housing units are owner-occupied and 18.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 37095? ▼
The poverty rate in ZIP code 37095 is 24.2% 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.