ZIP Code 37187 — White Bluff town, TN Demographics & Data

ZIP code 37187 covers White Bluff, TN in Dickson County with a population of about 8,382.

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-7; the NASHVILLE media market.

Median household income in ZIP 37187 is about $71,049 — about 5% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.1%; unemployment rate near 1.3%; 19.0% of adults with a bachelor’s degree or higher (about 14.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Manufacturing; about 10.8% of workers reporting work-from-home (about 4.4 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 $283,100 — about 19% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $831 (about 29% below the U.S. median rent ($1,163)), and owner-occupancy near 77.9% (about 12.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 37187 in White Bluff, TN, a household would need roughly $78,000 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 $1,819. That is roughly in line with the local median household income ($71,049). 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 White Bluff town, TN as Relatively Low (composite score 53.5), which is near the middle of the national distribution. The strongest component scores on US5 are flood (44.6) and hurricane (22.8). 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 White Bluff town, TN show little to no average snow and around 52.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 297 for ZIP 37187 (White Bluff 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.