Westmoreland, TN · standard
ZIP Code 37186
Sumner County, Tennessee - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 9,184
- 34/sq mi Moderate-density area
- $59,545
- Median income Below-median income area
- $221,500
- Median home value Near-median home value
- 10.4%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Westmoreland pairs a below-median household income with above-median home values, in a rural, homeowner-dominated area.
- 28th pct
- household income, US ZIPs
- Top 50%
- home value, US ZIPs
- 34
- people per sq mi
- 71%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 37186 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 37186 (Westmoreland, TN) fell -2.0% from 2023 to 2024. The all-transactions index moved from 320.6 in 2023 to 314.3 in 2024 (2000 = 100).
ZIP code 37186 is a mid-sized community (a standard USPS delivery area) in Westmoreland, Sumner County, Tennessee, home to 9,184 residents across 272.5 square miles, a density of 34 people per square mile, in the Chicago time zone.
ZIP 37186 reports a modest median household income of $59,545 (10% below the average Tennessee ZIP), while per-capita income is $29,825. The poverty rate is 15.0%, with unemployment at 3.1%; those measures add context to the income figure. Median home value is $221,500 (10% below the average Tennessee ZIP) and median rent is $988; 70.6% of occupied homes are owner-occupied.
Formal educational attainment runs low here: just 10.4% of adults hold a bachelor's degree or higher, the median age is 40.4, and the average commute is 35 minutes. The page also surfaces 2 ZIP codes within roughly 10 miles and 6 more in Sumner County, so 37186 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 37186
Top 5 sectors by establishment count in Westmoreland, TN
Which industries have the most business establishments in ZIP 37186.
- Retail trade
Retail trade
24 establishments
- Other services (except public administration)
Other services (except public administration)
18 establishments
- Construction
Construction
16 establishments
- Accommodation and food services
Accommodation and food services
11 establishments
- Health care and social assistance
Health care and social assistance
10 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 37186, Westmoreland, 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
9,184
Population
272.5
Area (sq mi)
34
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 37186?
40.4
Median Age
46.9%
Male
53.1%
Female
1.6%
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?
$59,545
Median Household Income
-10% vs state ZIP avg
$29,825
Per Capita Income
15.0%
Poverty Rate
3.1%
Unemployment Rate
34.8 min
Mean Commute Time
How ZIP 37186 ranks among Tennessee ZIPs
Westmoreland, 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)
$59,545 45th percentile higher than 45% 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
4,394housing units
4,394
Total Housing Units
3,810
Occupied Units
584
Vacant Units
2.78
Avg Household Size
Occupancy Type
$221,500
Median Home Value
-10% vs state ZIP avg
$988
Median Rent
1989
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
-2.0%
YoY Change (2024)
314
HPI Index (2000 = 100)
+214%
Total Change Since 2000
Home values in ZIP 37186 have decreased 2.0% over the past year (2024). Since 2000, this ZIP has seen +214% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.3% | 192 |
| 2021 | +13.5% | 218 |
| 2022 | +18.9% | 259 |
| 2023 | +23.7% | 321 |
| 2024 | -2.0% | 314 |
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 102 business establishments in ZIP 37186, employing approximately 897 people with a combined annual payroll of $28,657,000.
102
Businesses
897
Employees
$28.7M
Annual Payroll
8
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 24 | 23.5% |
| Other services (except public administration) | 18 | 17.6% |
| Construction | 16 | 15.7% |
| Accommodation and food services | 11 | 10.8% |
| Health care and social assistance | 10 | 9.8% |
| Manufacturing | 5 | 4.9% |
| Finance and insurance | 4 | 3.9% |
| Professional, scientific, and technical services | 4 | 3.9% |
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 37186 vs 42120 →
ZIP 37186 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 37186
Westmoreland (37186)
9,184 residents
- 37022
Bethpage (37022)
5,469 residents
- 42120 2,588
Adolphus (42120)
2,588 residents
What this shows Among its immediate neighbors, ZIP 37186 ranks the most populous - useful context the national average alone can't give.
ZIP 37186 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 37022
Bethpage (37022)
$79,375 median income
- 42120
Adolphus (42120)
$64,958 median income
- 37186
Westmoreland (37186)
$59,545 median income
What this shows By household income, ZIP 37186 ranks #3 of 3 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 37186, 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 (9,184 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Sumner County
Related Areas
Frequently Asked Questions
What county is ZIP code 37186 in?
ZIP code 37186 (Westmoreland) is located in Sumner County, Tennessee. Sumner County contains multiple ZIP codes, see the full list at /counties/sumner-tn.
What is the population of ZIP code 37186?
ZIP code 37186 in Westmoreland, TN has a population of 9,184 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 37186?
The median household income in ZIP 37186 is $59,545, which is 22% below the national average of $76,288.
What is the average home value in ZIP 37186?
The median home value in ZIP 37186 is $221,500, which is 20% below the national average of $278,155.
What is the demographic makeup of ZIP 37186?
The largest racial group in ZIP 37186 is White at 90.2%. Hispanic or Latino residents make up 3.6% of the population.
How many businesses are in ZIP code 37186?
ZIP code 37186 has 102 business establishments employing approximately 897 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 37186?
The top industries by establishment count in ZIP 37186 are: Retail trade (24), Other services (except public administration) (18), Construction (16). There are 8 industry sectors represented in total.
How have home values changed in ZIP code 37186?
According to the FHFA House Price Index, home values in ZIP 37186 decreased by 2.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 214%. 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 37186?
In ZIP code 37186, 58.2% of residents aged 25+ have a high school diploma or higher, and 10.4% 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 37186?
The mean commute time for workers in ZIP code 37186 is 34.8 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 37186?
In ZIP code 37186, approximately 70.6% of occupied housing units are owner-occupied and 29.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 37186?
The poverty rate in ZIP code 37186 is 15.0% 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 37186's numbers, next.
- See how ZIP 37186 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Westmoreland, 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.