ZIP Code 37363 — Collegedale city, TN Demographics & Data

ZIP code 37363 covers Collegedale, TN in Hamilton County with a population of about 40,830.

At a glance, the area shows median age of 43.6 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 37363 is about $94,873 — about 26% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.0%; unemployment rate near 3.0%; 43.3% of adults with a bachelor’s degree or higher (about 9.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Retail trade; about 15.7% of workers reporting work-from-home (roughly in line with 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 $349,600 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,366 (about 17% above the U.S. median rent ($1,163)), and owner-occupancy near 75.7% (about 10.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 37363 in Collegedale, TN, a household would need roughly $96,000 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 $2,246. That is roughly in line with the local median household income ($94,873). 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 Collegedale city, TN as Relatively Moderate (composite score 93.3), which is among the highest nationally. The strongest component scores on US5 are flood (94.9) and wildfire (70.6). 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 Collegedale city, TN show little to no average snow and around 55.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,448 for ZIP 37363 (Collegedale 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.