Gray, TN population, income and ZIP codes

Gray CDP is a small town in Tennessee, with 1,606 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #252 of 504 ranked by population — larger than 50% of them. The median age here is 50.8 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Gray CDP earn a median of $66,585 a year, 15.2% below the national figure of $78,538 and 19% above the $55,988 median for the 307 Tennessee cities we cover. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 4% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in Gray CDP is valued at $192,500, 36.6% below the national figure and within a couple of points of the $191,100 peer median, while median gross rent runs $1,094 a month, 22.2% below the national figure, or roughly $13,128 across a full year. A household on the local median income would put about 19.7% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 2.9×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 72.5% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

A median age of 50.8 puts Gray CDP well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.