ZIP Code 37356 — Monteagle town, TN Demographics & Data

ZIP code 37356 covers Monteagle, TN in Marion County with a population of about 2,324.

At a glance, the area shows median age of 50.1 versus a U.S. median of about 38.9.

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

Median household income in ZIP 37356 is about $53,792 — about 28% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.2%; unemployment rate near 6.8%; 24.8% of adults with a bachelor’s degree or higher (about 8.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Manufacturing, and Healthcare; about 6.9% of workers reporting work-from-home (about 8.3 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 $278,900 — about 20% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $637 (about 45% below the U.S. median rent ($1,163)), and owner-occupancy near 69.2% (about 3.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 37356 in Monteagle, TN, a household would need roughly $77,000 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 $1,792. That is about 43% above the local median household income ($53,792), so the median earner would likely stretch or need a larger down payment. 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 Monteagle town, TN as Relatively Low (composite score 58.2), which is near the middle of the national distribution. The strongest component scores on US5 are flood (61.4) and wildfire (59.7). 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 Monteagle town, TN show little to no average snow and around 67.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 82 for ZIP 37356 (Monteagle 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.