ZIP Code 37361 — Ocoee CDP, TN Demographics & Data

ZIP code 37361 covers Ocoee, TN in Polk County with a population of about 2,205.

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 423; U.S. House district TN-3; the CHATTANOOGA media market.

Median household income in ZIP 37361 is about $79,167 — about 5% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.3%; unemployment rate near 1.1%; 15.1% of adults with a bachelor’s degree or higher (about 18.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Utilities; about 5.2% of workers reporting work-from-home (about 10.0 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 $116,100 — about 67% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $617 (about 47% below the U.S. median rent ($1,163)), and owner-occupancy near 86.5% (about 21.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 37361 in Ocoee, TN, a household would need roughly $32,000 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 $746. That sits below the local median household income ($79,167), 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 Ocoee CDP, 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 Ocoee CDP, TN show little to no average snow and around 57.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 78 for ZIP 37361 (Ocoee CDP, 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.