ZIP Code 37095

ZIP code 37095 is classified by USPS as a standard delivery area and covers roughly 191.1 square miles in Liberty, DeKalb County, Tennessee. The area is home to 1,854 residents, producing a population density of 10 people per square mile, and falls within the Chicago time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 37095 against Tennessee and the nation.

On the economic side, the median household income for ZIP 37095 sits at $64,792 (2% below the Tennessee average), while per-capita income is $33,871. The poverty rate stands at 24.2% and the unemployment rate at 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, a direct signal of whether 37095 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 24.1% of adults hold a bachelor's degree or higher, the median age is 53.5, and the average commute is 34 minutes. We also surface 4 nearby ZIP codes within roughly 10 miles and 3 additional ZIPs sharing DeKalb County, so you can benchmark 37095 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →