ZIP Code 37186 — Westmoreland town, TN Demographics & Data

ZIP code 37186 covers Westmoreland, TN in Sumner County with a population of about 10,644.

At a glance, the area shows median age of 38.2 (near the U.S. median).

It sits in telephone area codes 615, 629; U.S. House district TN-6; the NASHVILLE media market.

Median household income in ZIP 37186 is about $57,133 — about 24% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.5%; unemployment rate near 3.7%; 9.1% of adults with a bachelor’s degree or higher (about 24.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Healthcare; about 6.6% of workers reporting work-from-home (about 8.6 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 $193,400 — about 44% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $687 (about 41% below the U.S. median rent ($1,163)), and owner-occupancy near 67.8% (about 2.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 37186 in Westmoreland, TN, a household would need roughly $53,000 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 $1,242. That is roughly in line with the local median household income ($57,133). 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 Westmoreland town, TN as Relatively Moderate (composite score 87.7), which is elevated versus much of the country. The strongest component scores on US5 are flood (88.6) and wildfire (37.8). 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 Westmoreland town, TN show little to no average snow and around 54.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 377 for ZIP 37186 (Westmoreland town, 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.