PlainZIP

Oliver Springs, TN · standard

ZIP Code 37840

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

10,021
45/sq mi
$75,881
Median income
$203,600
Median home value
15.5%
Bachelor's or higher

The verdict

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

Top 44%
household income, US ZIPs
44th pct
home value, US ZIPs
45
people per sq mi
80%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 37840 against every reporting US ZIP.

ZIP code 37840 is a mid-sized community (a standard USPS delivery area) in Oliver Springs, Roane County, Tennessee, home to 10,021 residents across 220.7 square miles, a density of 45 people per square mile, in the New York time zone.

ZIP 37840 lands in the middle-income range, with a median household income of $75,881 (14% above the Tennessee average), while per-capita income is $39,417. The poverty rate stands at 12.7% and the unemployment rate at 6.4%. The typical home here is valued at $203,600 (18% below the state average); renters pay a median of $682 monthly, and 79.5% of units are owner-occupied.

Educational attainment sits below the national norm: 15.5% of adults hold a bachelor's degree or higher, the median age is 43, and the average commute is 30 minutes. To put 37840 in local context, 5 ZIP codes within roughly 10 miles appear further down this page alongside 3 additional ZIPs in Roane 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 37840

Top 5 sectors by establishment count in Oliver Springs, TN

Which industries have the most business establishments in ZIP 37840.

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 37840, Oliver Springs, 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

10,021

Population

220.7

Area (sq mi)

45

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 37840?

43.0

Median Age

52.4%

Male

47.6%

Female

0.2%

Foreign-Born

White 95.0%
African American 0.0%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.9%
Hispanic or Latino 0.2%

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?

$75,881

Median Household Income

+14% vs state

$39,417

Per Capita Income

12.7%

Poverty Rate

6.4%

Unemployment Rate

29.5 min

Mean Commute Time

How ZIP 37840 ranks nationally

Oliver Springs, TN household income vs. every US ZIP code

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

$75,881 Top 44% higher than 56% 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 54.2%
Bachelor's Degree or Higher 15.5%

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

What does housing look like?

4,006

Total Housing Units

3,789

Occupied Units

217

Vacant Units

2.64

Avg Household Size

Occupancy Type

Owner 79.5%
Renter 20.5%

$203,600

Median Home Value

-18% vs state

$682

Median Rent

1979

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

+2.2%

YoY Change (2024)

304

HPI Index (2000 = 100)

+204%

Total Change Since 2000

Home values in ZIP 37840 have increased 2.2% over the past year (2024). Since 2000, this ZIP has seen +204% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.6% 170
2021 +11.1% 189
2022 +23.7% 233
2023 +27.5% 298
2024 +2.2% 304

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 108 business establishments in ZIP 37840, employing approximately 695 people with a combined annual payroll of $25,109,000.

108

Businesses

695

Employees

$25.1M

Annual Payroll

11

Industry Sectors

Industry Establishments % of Total
Retail trade 26 24.1%
Other services (except public administration) 19 17.6%
Construction 16 14.8%
Health care and social assistance 9 8.3%
Accommodation and food services 7 6.5%
Wholesale trade 6 5.6%
Administrative and support and waste management and remediation services 6 5.6%
Professional, scientific, and technical services 5 4.6%
Finance and insurance 4 3.7%
Manufacturing 3 2.8%
Transportation and warehousing 3 2.8%

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 37840 vs 37719 →

ZIP 37840 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 37840 ranks #3 by population - useful context the national average alone can't give.

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

ZIP 37840 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 37840 ranks the highest of 5 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
37719 Coalfield, TN 168 3.9 mi
37845 Petros, TN 494 4.3 mi
37710 Briceville, TN 1,141 7.6 mi
37830 Oak Ridge, TN 29,700 8.0 mi
37748 Harriman, TN 17,857 10.9 mi

More ZIP Codes in Roane County

37748 standard
Harriman, TN
Pop: 17,857
37763 standard
Kingston, TN
Pop: 15,794
37854 standard
Rockwood, TN
Pop: 13,108

Related Areas

Roane County Oliver Springs, TN Tennessee

Frequently Asked Questions

What county is ZIP code 37840 in? ▼
ZIP code 37840 (Oliver Springs) is located in Roane County, Tennessee. Roane County contains multiple ZIP codes, see the full list at /counties/roane-tn.
What is the population of ZIP code 37840? ▼
ZIP code 37840 in Oliver Springs, TN has a population of 10,021 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 37840? ▼
The median household income in ZIP 37840 is $75,881, which is 1% below the national average of $76,288.
What is the average home value in ZIP 37840? ▼
The median home value in ZIP 37840 is $203,600, which is 27% below the national average of $278,155.
What is the demographic makeup of ZIP 37840? ▼
The largest racial group in ZIP 37840 is White at 95.0%. Hispanic or Latino residents make up 0.2% of the population.
How many businesses are in ZIP code 37840? ▼
ZIP code 37840 has 108 business establishments employing approximately 695 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 37840? ▼
The top industries by establishment count in ZIP 37840 are: Retail trade (26), Other services (except public administration) (19), Construction (16). There are 11 industry sectors represented in total.
How have home values changed in ZIP code 37840? ▼
According to the FHFA House Price Index, home values in ZIP 37840 increased by 2.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 204%. 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 37840? ▼
In ZIP code 37840, 54.2% of residents aged 25+ have a high school diploma or higher, and 15.5% 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 37840? ▼
The mean commute time for workers in ZIP code 37840 is 29.5 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 37840? ▼
In ZIP code 37840, approximately 79.5% of occupied housing units are owner-occupied and 20.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 37840? ▼
The poverty rate in ZIP code 37840 is 12.7% 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.