Waverly, TN · standard
ZIP Code 37185
Humphreys County, Tennessee - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 8,638
- 14/sq mi Moderate-density area
- $51,314
- Median income Below-median income area
- $181,800
- Median home value Near-median home value
- 17.3%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Waverly pairs one of the lowest household incomes in the country with below-median home values, in a rural, homeowner-dominated area.
- 16th pct
- household income, US ZIPs
- 38th pct
- home value, US ZIPs
- 14
- people per sq mi
- 76%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 37185 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 37185 (Waverly, TN) fell -16.7% from 2023 to 2024. The all-transactions index moved from 308.7 in 2023 to 257.0 in 2024 (2000 = 100).
ZIP code 37185 is a mid-sized community (a standard USPS delivery area) in Waverly, Humphreys County, Tennessee, home to 8,638 residents across 599.9 square miles, a density of 14 people per square mile, in the Chicago time zone.
ZIP 37185 reports a modest median household income of $51,314 (23% below the average Tennessee ZIP), while per-capita income is $32,312. The poverty rate is 18.1%, with unemployment at 8.8%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $181,800 (27% below the average Tennessee ZIP), and median rent is $900; owner occupancy is 75.5%.
Educational attainment sits below the national norm: 17.3% of adults hold a bachelor's degree or higher, the median age is 45.8, and the average commute is 36 minutes. The page also surfaces 3 ZIP codes within roughly 10 miles and 3 more in Humphreys County, so 37185 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 37185
Top 5 sectors by establishment count in Waverly, TN
Which industries have the most business establishments in ZIP 37185.
- Retail trade
Retail trade
32 establishments
- Other services (except public administration)
Other services (except public administration)
27 establishments
- Health care and social assistance
Health care and social assistance
21 establishments
- Accommodation and food services
Accommodation and food services
16 establishments
- Finance and insurance
Finance and insurance
15 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 37185, Waverly, 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
8,638
Population
599.9
Area (sq mi)
14
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 37185?
45.8
Median Age
48.7%
Male
51.3%
Female
3.0%
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?
$51,314
Median Household Income
-23% vs state ZIP avg
$32,312
Per Capita Income
18.1%
Poverty Rate
8.8%
Unemployment Rate
35.8 min
Mean Commute Time
How ZIP 37185 ranks among Tennessee ZIPs
Waverly, 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)
$51,314 25th percentile higher than 25% 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
4,903housing units
4,903
Total Housing Units
3,814
Occupied Units
1,089
Vacant Units
2.29
Avg Household Size
Occupancy Type
$181,800
Median Home Value
-27% vs state ZIP avg
$900
Median Rent
1977
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
-16.7%
YoY Change (2024)
257
HPI Index (2000 = 100)
+157%
Total Change Since 2000
Home values in ZIP 37185 have decreased 16.7% over the past year (2024). Since 2000, this ZIP has seen +157% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +6.5% | 167 |
| 2021 | +17.8% | 197 |
| 2022 | +24.6% | 245 |
| 2023 | +25.9% | 309 |
| 2024 | -16.7% | 257 |
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 177 business establishments in ZIP 37185, employing approximately 2,281 people with a combined annual payroll of $109,315,000.
177
Businesses
2,281
Employees
$109.3M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 32 | 18.1% |
| Other services (except public administration) | 27 | 15.3% |
| Health care and social assistance | 21 | 11.9% |
| Accommodation and food services | 16 | 9.0% |
| Finance and insurance | 15 | 8.5% |
| Construction | 13 | 7.3% |
| Manufacturing | 12 | 6.8% |
| Professional, scientific, and technical services | 9 | 5.1% |
| Wholesale trade | 7 | 4.0% |
| Real estate and rental and leasing | 6 | 3.4% |
| Transportation and warehousing | 5 | 2.8% |
| Administrative and support and waste management and remediation services | 5 | 2.8% |
| Information | 4 | 2.3% |
| Arts, entertainment, and recreation | 3 | 1.7% |
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 37185 vs 37134 →
ZIP 37185 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 37185
Waverly (37185)
8,638 residents
- 37134 3,061
New Johnsonville (37134)
3,061 residents
- 37078 674
Hurricane Mills (37078)
674 residents
- 38333 523
Eva (38333)
523 residents
What this shows Among its immediate neighbors, ZIP 37185 ranks the most populous - useful context the national average alone can't give.
ZIP 37185 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 37134
New Johnsonville (37134)
$78,884 median income
- 37078
Hurricane Mills (37078)
$54,219 median income
- 37185
Waverly (37185)
$51,314 median income
- 38333
Eva (38333)
$40,417 median income
What this shows By household income, ZIP 37185 ranks #3 of 4 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 37185, 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 (8,638 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Humphreys County
Related Areas
Frequently Asked Questions
What county is ZIP code 37185 in?
ZIP code 37185 (Waverly) is located in Humphreys County, Tennessee. Humphreys County contains multiple ZIP codes, see the full list at /counties/humphreys-tn.
What is the population of ZIP code 37185?
ZIP code 37185 in Waverly, TN has a population of 8,638 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 37185?
The median household income in ZIP 37185 is $51,314, which is 33% below the national average of $76,288.
What is the average home value in ZIP 37185?
The median home value in ZIP 37185 is $181,800, which is 35% below the national average of $278,155.
What is the demographic makeup of ZIP 37185?
The largest racial group in ZIP 37185 is White at 88.1%. Hispanic or Latino residents make up 2.6% of the population.
How many businesses are in ZIP code 37185?
ZIP code 37185 has 177 business establishments employing approximately 2,281 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 37185?
The top industries by establishment count in ZIP 37185 are: Retail trade (32), Other services (except public administration) (27), Health care and social assistance (21). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 37185?
According to the FHFA House Price Index, home values in ZIP 37185 decreased by 16.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 157%. 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 37185?
In ZIP code 37185, 56.1% of residents aged 25+ have a high school diploma or higher, and 17.3% 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 37185?
The mean commute time for workers in ZIP code 37185 is 35.8 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 37185?
In ZIP code 37185, approximately 75.5% of occupied housing units are owner-occupied and 24.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 37185?
The poverty rate in ZIP code 37185 is 18.1% 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 37185's numbers, next.
- See how ZIP 37185 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Waverly, 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.