Cleveland, TN · standard
ZIP Code 37312
Bradley County, Tennessee - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 30,962
- 200/sq mi High-density area
- $78,261
- Median income Near-median income area
- $301,000
- Median home value Above-median home value
- 35.6%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Cleveland pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.
- Top 40%
- household income, US ZIPs
- Top 33%
- home value, US ZIPs
- 200
- people per sq mi
- 67%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 37312 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 37312 (Cleveland, TN) rose +4.7% from 2023 to 2024. The all-transactions index moved from 252.8 in 2023 to 264.7 in 2024 (2000 = 100).
ZIP code 37312 is a densely settled ZIP (a standard USPS delivery area) in Cleveland, Bradley County, Tennessee, with 30,962 residents across 154.9 square miles, a density of 200 people per square mile, in the New York time zone.
ZIP 37312 lands in the middle-income range, with a median household income of $78,261 (18% above the average Tennessee ZIP), while per-capita income is $40,788. The poverty rate is 10.2%, with unemployment at 6.0%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $301,000 (22% above the average Tennessee ZIP), while 66.9% of occupied homes are owner-occupied and median rent is $1,148.
A solid share of residents have a four-year degree: 35.6% of adults hold a bachelor's degree or higher, the median age is 41.5, and the average commute is 23 minutes. The page also surfaces 7 ZIP codes within roughly 10 miles and 5 more in Bradley County, so 37312 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 37312
Top 5 sectors by establishment count in Cleveland, TN
Which industries have the most business establishments in ZIP 37312.
- Health care and social assistance
Health care and social assistance
146 establishments
- Retail trade
Retail trade
132 establishments
- Accommodation and food services
Accommodation and food services
118 establishments
- Other services (except public administration)
Other services (except public administration)
73 establishments
- Finance and insurance 57
Finance and insurance
57 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 37312, Cleveland, 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
30,962
Population
154.9
Area (sq mi)
200
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 37312?
41.5
Median Age
48.7%
Male
51.3%
Female
8.1%
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?
$78,261
Median Household Income
+18% vs state ZIP avg
$40,788
Per Capita Income
10.2%
Poverty Rate
6.0%
Unemployment Rate
23.2 min
Mean Commute Time
How ZIP 37312 ranks nationally
Cleveland, TN household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$78,261 Top 40% higher than 60% of 30,318 US ZIPs
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
14,834housing units
14,834
Total Housing Units
14,225
Occupied Units
609
Vacant Units
2.55
Avg Household Size
Occupancy Type
$301,000
Median Home Value
+22% vs state ZIP avg
$1,148
Median Rent
1990
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
+4.7%
YoY Change (2024)
265
HPI Index (2000 = 100)
+165%
Total Change Since 2000
Home values in ZIP 37312 have increased 4.7% over the past year (2024). Since 2000, this ZIP has seen +165% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.2% | 170 |
| 2021 | +12.8% | 192 |
| 2022 | +21.1% | 233 |
| 2023 | +8.6% | 253 |
| 2024 | +4.7% | 265 |
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 788 business establishments in ZIP 37312, employing approximately 14,832 people with a combined annual payroll of $660,949,000.
788
Businesses
14,832
Employees
$660.9M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Health care and social assistance | 146 | 18.5% |
| Retail trade | 132 | 16.8% |
| Accommodation and food services | 118 | 15.0% |
| Other services (except public administration) | 73 | 9.3% |
| Finance and insurance | 57 | 7.2% |
| Professional, scientific, and technical services | 51 | 6.5% |
| Administrative and support and waste management and remediation services | 42 | 5.3% |
| Construction | 40 | 5.1% |
| Real estate and rental and leasing | 30 | 3.8% |
| Manufacturing | 25 | 3.2% |
| Wholesale trade | 19 | 2.4% |
| Transportation and warehousing | 17 | 2.2% |
| Information | 14 | 1.8% |
| Management of companies and enterprises | 10 | 1.3% |
| Arts, entertainment, and recreation | 7 | 0.9% |
| Educational services | 5 | 0.6% |
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 37312 vs 37310 →
ZIP 37312 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 37312
Cleveland (37312)
30,962 residents
- 37323
Cleveland (37323)
30,439 residents
- 37311
Cleveland (37311)
27,373 residents
- 37353 4,513
Mc Donald (37353)
4,513 residents
- 37336 4,202
Georgetown (37336)
4,202 residents
- 37310 4,135
Charleston (37310)
4,135 residents
- 37308 2,772
Birchwood (37308)
2,772 residents
- 37309 2,138
Calhoun (37309)
2,138 residents
What this shows Among its immediate neighbors, ZIP 37312 ranks the most populous - useful context the national average alone can't give.
ZIP 37312 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 37310
Charleston (37310)
$81,645 median income
- 37308
Birchwood (37308)
$80,394 median income
- 37312
Cleveland (37312)
$78,261 median income
- 37353
Mc Donald (37353)
$74,252 median income
- 37323
Cleveland (37323)
$68,768 median income
- 37336
Georgetown (37336)
$66,739 median income
- 37309
Calhoun (37309)
$63,699 median income
- 37311
Cleveland (37311)
$47,153 median income
What this shows By household income, ZIP 37312 ranks #3 of 8 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 37312, 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 (30,962 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Bradley County
Related Areas
Frequently Asked Questions
What county is ZIP code 37312 in?
ZIP code 37312 (Cleveland) is located in Bradley County, Tennessee. Bradley County contains multiple ZIP codes, see the full list at /counties/bradley-tn.
What is the population of ZIP code 37312?
ZIP code 37312 in Cleveland, TN has a population of 30,962 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 37312?
The median household income in ZIP 37312 is $78,261, which is 3% above the national average of $76,288.
What is the average home value in ZIP 37312?
The median home value in ZIP 37312 is $301,000, which is 8% above the national average of $278,155.
What is the demographic makeup of ZIP 37312?
The largest racial group in ZIP 37312 is White at 83.1%. Hispanic or Latino residents make up 7.1% of the population.
How many businesses are in ZIP code 37312?
ZIP code 37312 has 788 business establishments employing approximately 14,832 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 37312?
The top industries by establishment count in ZIP 37312 are: Health care and social assistance (146), Retail trade (132), Accommodation and food services (118). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 37312?
According to the FHFA House Price Index, home values in ZIP 37312 increased by 4.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 165%. 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 37312?
In ZIP code 37312, 61.2% of residents aged 25+ have a high school diploma or higher, and 35.6% 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 37312?
The mean commute time for workers in ZIP code 37312 is 23.2 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 37312?
In ZIP code 37312, approximately 66.9% of occupied housing units are owner-occupied and 33.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 37312?
The poverty rate in ZIP code 37312 is 10.2% 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 37312's numbers, next.
- See how ZIP 37312 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Cleveland, 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.