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 Moderate-density area
- $63,730
- Median income Near-median income area
- $247,800
- Median home value Near-median home value
- 26.0%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 37398 (Winchester, TN) rose +1.6% from 2023 to 2024. The all-transactions index moved from 302.4 in 2023 to 307.4 in 2024 (2000 = 100).
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 average Tennessee ZIP), while per-capita income is $37,964. The poverty rate is 11.8%, with unemployment at 3.3%; those measures add context to the income figure. Median home value is $247,800 (0% above the average Tennessee ZIP) and median rent is $944; 77.1% of occupied homes are owner-occupied.
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. The page also surfaces 5 ZIP codes within roughly 10 miles and 6 more in Franklin County, so 37398 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 37398
Top 5 sectors by establishment count in Winchester, TN
Which industries have the most business establishments in ZIP 37398.
- Retail trade
Retail trade
77 establishments
- Health care and social assistance
Health care and social assistance
68 establishments
- Other services (except public administration)
Other services (except public administration)
38 establishments
- Accommodation and food services
Accommodation and food services
36 establishments
- Construction 30
Construction
30 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 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
Who lives in ZIP 37398?
45.8
Median Age
49.0%
Male
51.0%
Female
3.3%
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?
$63,730
Median Household Income
-4% vs state ZIP avg
$37,964
Per Capita Income
11.8%
Poverty Rate
3.3%
Unemployment Rate
22.9 min
Mean Commute Time
How ZIP 37398 ranks among Tennessee ZIPs
Winchester, 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)
$63,730 Top 45% higher than 55% 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
8,161housing units
8,161
Total Housing Units
6,804
Occupied Units
1,357
Vacant Units
2.26
Avg Household Size
Occupancy Type
$247,800
Median Home Value
+0% vs state ZIP avg
$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.
- 37398
Winchester (37398)
14,347 residents
- 37330
Estill Springs (37330)
6,784 residents
- 37324 5,322
Decherd (37324)
5,322 residents
- 37306 2,760
Belvidere (37306)
2,760 residents
- 37345 2,311
Huntland (37345)
2,311 residents
- 37318 1,978
Cowan (37318)
1,978 residents
What this shows Among its immediate neighbors, ZIP 37398 ranks the most populous - useful context the national average alone can't give.
ZIP 37398 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 37330
Estill Springs (37330)
$70,952 median income
- 37398
Winchester (37398)
$63,730 median income
- 37345
Huntland (37345)
$58,750 median income
- 37318
Cowan (37318)
$52,125 median income
- 37324
Decherd (37324)
$50,417 median income
- 37306
Belvidere (37306)
$39,375 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 37398, 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 (14,347 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Franklin County
Related Areas
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.
Related
Take this with you
What to do with ZIP 37398's numbers, next.
- See how ZIP 37398 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Winchester, TN ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.