PlainZIP

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
$59,545
Median income
$221,500
Median home value
10.4%
Bachelor's or higher

The verdict

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.

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 Tennessee average), while per-capita income is $29,825. 15.0% of residents live below the poverty line, and the unemployment rate reads 3.1%. Housing costs here run $221,500 for a typical home value (10% below the state average), with rent averaging $988 a month; 70.6% of 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. Beyond these figures, 2 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Sumner County, letting you compare 37186 to its immediate surroundings rather than a national baseline 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 37186

Top 5 sectors by establishment count in Westmoreland, TN

Which industries have the most business establishments in ZIP 37186.

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 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

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 37186?

40.4

Median Age

46.9%

Male

53.1%

Female

1.6%

Foreign-Born

White 90.2%
African American 0.1%
Asian 1.4%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.2%
Two or More Ethnicities 6.3%
Hispanic or Latino 3.6%

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

$29,825

Per Capita Income

15.0%

Poverty Rate

3.1%

Unemployment Rate

34.8 min

Mean Commute Time

How ZIP 37186 ranks nationally

Westmoreland, TN household income vs. every US ZIP code

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

$59,545 28th percentile higher than 28% 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%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $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 58.2%
Bachelor's Degree or Higher 10.4%

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

What does housing look like?

4,394

Total Housing Units

3,810

Occupied Units

584

Vacant Units

2.78

Avg Household Size

Occupancy Type

Owner 70.6%
Renter 29.4%

$221,500

Median Home Value

-10% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 37186 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 37186 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 37186 ranks #3 of 3 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
42120 Adolphus, KY 2,588 6.2 mi
37022 Bethpage, TN 5,469 7.5 mi

More ZIP Codes in Sumner County

37075 standard
Hendersonville, TN
Pop: 59,256
37066 standard
Gallatin, TN
Pop: 42,758
37148 standard
Portland, TN
Pop: 22,320
37048 standard
Cottontown, TN
Pop: 6,030
37022 standard
Bethpage, TN
Pop: 5,469
37031 standard
Castalian Springs, TN
Pop: 3,712

Related Areas

Sumner County Westmoreland, TN Tennessee

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.

Read our methodology to see how this data is sourced, computed, and verified.