ZIP Code 37861 — Rutledge town, TN Demographics & Data

ZIP code 37861 covers Rutledge, TN in Grainger County with a population of about 8,578.

At a glance, the area shows median age of 47.4 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.

Median household income in ZIP 37861 is about $53,797 — about 28% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.9%; unemployment rate near 4.1%; 13.0% of adults with a bachelor’s degree or higher (about 20.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Construction; about 9.6% of workers reporting work-from-home (about 5.6 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 $202,200 — about 42% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $521 (about 55% below the U.S. median rent ($1,163)), and owner-occupancy near 82.0% (about 16.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 37861 in Rutledge, TN, a household would need roughly $56,000 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 $1,299. That is roughly in line with the local median household income ($53,797). 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 Rutledge town, TN as Very Low (composite score 18.6), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (48.7) and flood (33.6). 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 Rutledge town, TN show little to no average snow and around 47.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 304 for ZIP 37861 (Rutledge 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.