ZIP Code 37306 — Lynchburg, Moore County metropolitan government, TN Demographics & Data

ZIP code 37306 covers Lynchburg, Moore County metropolitan government, TN in Franklin County with a population of about 1,891.

At a glance, the area shows median age of 51.9 versus a U.S. median of about 38.9.

It sits in telephone area code 931; U.S. House district TN-4; the NASHVILLE media market.

Median household income in ZIP 37306 is about $55,707 — about 26% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.3%; unemployment rate near 0.0%; 18.4% of adults with a bachelor’s degree or higher (about 15.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Public administration; about 1.9% of workers reporting work-from-home (about 13.3 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 $225,700 — about 35% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 87.3% (about 21.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 37306 in Lynchburg, Moore County metropolitan government, TN, a household would need roughly $62,000 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 $1,450. That is roughly in line with the local median household income ($55,707). 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 Lynchburg, Moore County metropolitan government, TN as Relatively Low (composite score 57.5), which is near the middle of the national distribution. The strongest component scores on US5 are flood (58.3) and hurricane (47.5). 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 Lynchburg, Moore County metropolitan government, TN show little to no average snow and around 57.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 67 for ZIP 37306 (Lynchburg, Moore County metropolitan government, 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.