ZIP Code 37774 — Loudon city, TN Demographics & Data

ZIP code 37774 covers Loudon, TN in Loudon County with a population of about 20,989.

At a glance, the area shows median age of 57.8 versus a U.S. median of about 38.9.

It sits in telephone area code 865; U.S. House district TN-2; the KNOXVILLE media market.

Loudon, TN fits a retirement-oriented profile (high share of residents 65+ (36.4%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 37774 is about $83,724 — about 11% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.0%; unemployment rate near 2.4%; 31.3% of adults with a bachelor’s degree or higher (about 2.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Healthcare; about 10.2% of workers reporting work-from-home (about 5.0 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 $329,600 — about 5% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $745 (about 36% below the U.S. median rent ($1,163)), and owner-occupancy near 86.2% (about 20.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 37774 in Loudon, TN, a household would need roughly $91,000 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 $2,117. That is roughly in line with the local median household income ($83,724). 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 Loudon city, TN as Relatively Low (composite score 68.4), which is near the middle of the national distribution. The strongest component scores on US5 are flood (71.6) and hurricane (53.1). 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 Loudon city, TN show little to no average snow and around 55.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 744 for ZIP 37774 (Loudon 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.