PlainZIP

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
$78,261
Median income
$301,000
Median home value
35.6%
Bachelor's or higher

The verdict

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.

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 Tennessee average), while per-capita income is $40,788. 10.2% of residents live below the poverty line, and the unemployment rate reads 6.0%. Housing costs here run $301,000 for a typical home value (22% above the state average), with rent averaging $1,148 a month; 66.9% of homes are owner-occupied.

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. We also surface 7 nearby ZIP codes within roughly 10 miles and 5 additional ZIPs sharing Bradley County, so you can benchmark 37312 against its immediate geography rather than a national average 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 37312

Top 5 sectors by establishment count in Cleveland, TN

Which industries have the most business establishments in ZIP 37312.

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 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

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 37312?

41.5

Median Age

48.7%

Male

51.3%

Female

8.1%

Foreign-Born

White 83.1%
African American 4.1%
Asian 2.9%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 7.0%
Hispanic or Latino 7.1%

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

$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

$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%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $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 61.2%
Bachelor's Degree or Higher 35.6%

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

What does housing look like?

14,834

Total Housing Units

14,225

Occupied Units

609

Vacant Units

2.55

Avg Household Size

Occupancy Type

Owner 66.9%
Renter 33.1%

$301,000

Median Home Value

+22% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 37312 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 37312 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 37312 ranks #3 of 8 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
37310 Charleston, TN 4,135 5.6 mi
37336 Georgetown, TN 4,202 6.1 mi
37311 Cleveland, TN 27,373 8.7 mi
37323 Cleveland, TN 30,439 9.6 mi
37309 Calhoun, TN 2,138 9.1 mi
37353 Mc Donald, TN 4,513 10.1 mi
37308 Birchwood, TN 2,772 10.8 mi

More ZIP Codes in Bradley County

37323 standard
Cleveland, TN
Pop: 30,439
37311 standard
Cleveland, TN
Pop: 27,373
37353 standard
Mc Donald, TN
Pop: 4,513
37336 standard
Georgetown, TN
Pop: 4,202
37310 standard
Charleston, TN
Pop: 4,135

Related Areas

Bradley County Cleveland, TN Tennessee

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.

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