ZIP Code 37365 — Palmer town, TN Demographics & Data

ZIP code 37365 covers Palmer, TN in Grundy County with a population of about 1,729.

At a glance, the area shows median age of 46.2 versus a U.S. median of about 38.9.

It sits in telephone area codes 423, 931; U.S. House district TN-4; the CHATTANOOGA media market.

Median household income in ZIP 37365 is about $50,962 — about 32% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 19.0%; unemployment rate near 1.6%; 9.1% of adults with a bachelor’s degree or higher (about 24.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Education, and Transportation; about 0.3% of workers reporting work-from-home (about 14.8 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 $97,600 — about 72% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $259 (about 78% below the U.S. median rent ($1,163)), and owner-occupancy near 92.1% (about 26.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 37365 in Palmer, TN, a household would need roughly $27,000 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 $627. That sits below the local median household income ($50,962), 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 Palmer town, TN as Very Low (composite score 34.3), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (56.1) and hurricane (45.3). 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 Palmer town, TN show little to no average snow and around 63.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 61 for ZIP 37365 (Palmer 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.