ZIP code 37128

ZIP 37128 is a small city in Rutherford County, Tennessee, with 77,016 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #4 of 638 ranked by population — larger than 99% of them. The median age here is 32.2 years against 39.1 nationally, a distinctly younger profile, typical of places with students, military posts or a fast-growing family population. At this size the Census also publishes one-year estimates; the five-year values used here are steadier and let you compare against smaller neighbours on the same basis.

Households in ZIP 37128 earn a median of $89,069 a year, 13.4% above the national figure of $78,538. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 4.6% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 37128 is valued at $364,100, 20% above the national figure, while median gross rent runs $1,514 a month, 7.7% above the national figure, or roughly $18,168 across a full year. A household on the local median income would put about 20.4% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 4.1×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 65.4% 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.

All values below were released by the Census for this exact geography, with no gap-filling on our side. 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.

ZIP 37128 is tabulated inside Rutherford County, Tennessee, one of 13 ZIP areas the Census publishes for that county and 638 across Tennessee. This is a dense urban ZIP, where a single postal boundary can hold more residents than an entire rural county. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 37128 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 37128 reports a median household income of $89,069, close to the $87,758 county median, and 51% above the $59,143 typical TN ZIP. Owner-occupied homes are valued at a median of $364,100, close to the county figure and 87% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,514 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Tennessee charges 7% statewide, and local governments overlapping 37128 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 37128 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.