ZIP Code 37326 — Ducktown city, TN Demographics & Data

ZIP code 37326 covers Ducktown, TN in Polk County with a population of about 423.

At a glance, the area shows median age of 57.5 versus a U.S. median of about 38.9.

It sits in telephone area code 423; U.S. House district TN-3; the CHATTANOOGA media market.

Ducktown, TN fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

On socioeconomic markers, US5 shows a poverty rate of 36.7%; unemployment rate near 15.3%; 4.7% of adults with a bachelor’s degree or higher (about 29.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Transportation, and Food services; a mean commute of about 127.0 minutes (U.S. average near 26.8).

Median home value is about $105,400 — about 70% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $377 (about 68% below the U.S. median rent ($1,163)), and owner-occupancy near 47.5% (about 17.9 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 37326 in Ducktown, TN, a household would need roughly $29,000 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 $677. 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 Ducktown city, TN as Very Low (composite score 31.2), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (75.6) and hurricane (46.0). 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 Ducktown city, TN show little to no average snow and around 55.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 15 for ZIP 37326 (Ducktown 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.