PlainZIP

Winchester, TN · standard

ZIP Code 37398

Franklin County, Tennessee - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

14,347
53/sq mi
$63,730
Median income
$247,800
Median home value
26.0%
Bachelor's or higher

The verdict

Winchester pairs a below-median household income with above-median home values, in a rural, homeowner-dominated area.

36th pct
household income, US ZIPs
Top 43%
home value, US ZIPs
53
people per sq mi
77%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 37398 against every reporting US ZIP.

ZIP code 37398 is a mid-sized community (a standard USPS delivery area) in Winchester, Franklin County, Tennessee, home to 14,347 residents across 272.2 square miles, a density of 53 people per square mile, in the Chicago time zone.

ZIP 37398 reports a modest median household income of $63,730 (4% below the Tennessee average), while per-capita income is $37,964. Poverty here runs at 11.8%, with unemployment measured at 3.3%. Median home value sits at $247,800 (0% above the state average), median rent at $944 a month, and owner-occupancy at 77.1%.

Educational attainment sits below the national norm: 26.0% of adults hold a bachelor's degree or higher, the median age is 45.8, and the average commute is 23 minutes. To put 37398 in local context, 5 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Franklin County, for a geography-aware comparison.

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 37398

Top 5 sectors by establishment count in Winchester, TN

Which industries have the most business establishments in ZIP 37398.

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 37398, Winchester, 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

14,347

Population

272.2

Area (sq mi)

53

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 37398?

45.8

Median Age

49.0%

Male

51.0%

Female

3.3%

Foreign-Born

White 82.3%
African American 7.4%
Asian 1.5%
American Indian or Alaska Native 1.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 5.1%
Hispanic or Latino 6.6%

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?

$63,730

Median Household Income

-4% vs state

$37,964

Per Capita Income

11.8%

Poverty Rate

3.3%

Unemployment Rate

22.9 min

Mean Commute Time

How ZIP 37398 ranks nationally

Winchester, TN household income vs. every US ZIP code

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

$63,730 36th percentile higher than 36% 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 62.3%
Bachelor's Degree or Higher 26.0%

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

What does housing look like?

8,161

Total Housing Units

6,804

Occupied Units

1,357

Vacant Units

2.26

Avg Household Size

Occupancy Type

Owner 77.1%
Renter 22.9%

$247,800

Median Home Value

+0% vs state

$944

Median Rent

1987

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

+1.6%

YoY Change (2024)

307

HPI Index (2000 = 100)

+207%

Total Change Since 2000

Home values in ZIP 37398 have increased 1.6% over the past year (2024). Since 2000, this ZIP has seen +207% cumulative appreciation.

Year Annual Change HPI Index
2020 +5.8% 185
2021 +19.2% 221
2022 +20.9% 267
2023 +13.2% 302
2024 +1.6% 307

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 388 business establishments in ZIP 37398, employing approximately 5,025 people with a combined annual payroll of $213,689,000.

388

Businesses

5,025

Employees

$213.7M

Annual Payroll

14

Industry Sectors

Industry Establishments % of Total
Retail trade 77 19.9%
Health care and social assistance 68 17.5%
Other services (except public administration) 38 9.8%
Accommodation and food services 36 9.3%
Construction 30 7.7%
Professional, scientific, and technical services 30 7.7%
Manufacturing 25 6.4%
Finance and insurance 25 6.4%
Real estate and rental and leasing 14 3.6%
Administrative and support and waste management and remediation services 14 3.6%
Transportation and warehousing 10 2.6%
Arts, entertainment, and recreation 7 1.8%
Wholesale trade 6 1.6%
Information 6 1.6%

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 37398 vs 37330 →

ZIP 37398 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 37398 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 37398 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 37398 ranks #2 of 6 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
37330 Estill Springs, TN 6,784 6.8 mi
37306 Belvidere, TN 2,760 6.5 mi
37318 Cowan, TN 1,978 8.3 mi
37324 Decherd, TN 5,322 9.7 mi
37345 Huntland, TN 2,311 11.6 mi

More ZIP Codes in Franklin County

37330 standard
Estill Springs, TN
Pop: 6,784
37324 standard
Decherd, TN
Pop: 5,322
37375 standard
Sewanee, TN
Pop: 3,711
37306 standard
Belvidere, TN
Pop: 2,760
37345 standard
Huntland, TN
Pop: 2,311
37318 standard
Cowan, TN
Pop: 1,978

Related Areas

Franklin County Winchester, TN Tennessee

Frequently Asked Questions

What county is ZIP code 37398 in? ▼
ZIP code 37398 (Winchester) is located in Franklin County, Tennessee. Franklin County contains multiple ZIP codes, see the full list at /counties/franklin-tn.
What is the population of ZIP code 37398? ▼
ZIP code 37398 in Winchester, TN has a population of 14,347 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 37398? ▼
The median household income in ZIP 37398 is $63,730, which is 16% below the national average of $76,288.
What is the average home value in ZIP 37398? ▼
The median home value in ZIP 37398 is $247,800, which is 11% below the national average of $278,155.
What is the demographic makeup of ZIP 37398? ▼
The largest racial group in ZIP 37398 is White at 82.3%. Hispanic or Latino residents make up 6.6% of the population.
How many businesses are in ZIP code 37398? ▼
ZIP code 37398 has 388 business establishments employing approximately 5,025 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 37398? ▼
The top industries by establishment count in ZIP 37398 are: Retail trade (77), Health care and social assistance (68), Other services (except public administration) (38). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 37398? ▼
According to the FHFA House Price Index, home values in ZIP 37398 increased by 1.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 207%. 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 37398? ▼
In ZIP code 37398, 62.3% of residents aged 25+ have a high school diploma or higher, and 26.0% 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 37398? ▼
The mean commute time for workers in ZIP code 37398 is 22.9 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 37398? ▼
In ZIP code 37398, approximately 77.1% of occupied housing units are owner-occupied and 22.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 37398? ▼
The poverty rate in ZIP code 37398 is 11.8% 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.