ZIP Code 37321 — Dayton city, TN Demographics & Data

ZIP code 37321 covers Dayton, TN in Rhea County with a population of about 20,670.

At a glance, the area shows median age of 38.7 (near the U.S. median).

It sits in telephone area code 423; U.S. House district TN-4; the CHATTANOOGA media market.

Dayton, TN sits in a university / college context (near bryan college-dayton (0.6 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 37321 is about $59,182 — about 21% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.3%; unemployment rate near 6.5%; 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 Healthcare; about 4.7% of workers reporting work-from-home (about 10.5 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 $168,000 — about 52% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $689 (about 41% below the U.S. median rent ($1,163)), and owner-occupancy near 70.1% (about 4.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 37321 in Dayton, TN, a household would need roughly $46,000 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 $1,079. That sits below the local median household income ($59,182), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Dayton city, TN as Relatively Low (composite score 49.2), which is near the middle of the national distribution. The strongest component scores on US5 are flood (62.7) and wildfire (48.3). 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 Dayton city, TN show little to no average snow and around 58.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 733 for ZIP 37321 (Dayton 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.