ZIP Code 37040 — Clarksville city, TN Demographics & Data

ZIP code 37040 covers Clarksville, TN in Montgomery County with a population of about 62,137.

At a glance, the area shows median age of 30.6 versus a U.S. median of about 38.9.

It sits in telephone area code 931; U.S. House district TN-7; the NASHVILLE media market.

Clarksville, TN reads as a military / base-oriented community on US5’s intent model (elevated veteran share (19.0%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 37040 is about $65,331 — about 13% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 18.0%; unemployment rate near 6.5%; 29.9% of adults with a bachelor’s degree or higher (about 3.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 8.4% of workers reporting work-from-home (about 6.8 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $242,400 — about 30% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $971 (about 17% below the U.S. median rent ($1,163)), and owner-occupancy near 58.6% (about 6.8 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 37040 in Clarksville, TN, a household would need roughly $67,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,557. That is roughly in line with the local median household income ($65,331). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Clarksville city, TN as Relatively Moderate (composite score 87.4), which is elevated versus much of the country. The strongest component scores on US5 are flood (84.5) and hurricane (40.9). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Clarksville city, TN show little to no average snow and around 53.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,203 for ZIP 37040 (Clarksville city, TN) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.