ZIP Code 37873 — Surgoinsville town, TN Demographics & Data

ZIP code 37873 covers Surgoinsville, TN in Hawkins County with a population of about 4,446.

At a glance, the area shows median age of 45.5 versus a U.S. median of about 38.9.

It sits in telephone area code 423; U.S. House district TN-1; the TRI - CITIES, TN - VA media market.

Median household income in ZIP 37873 is about $37,385 — about 50% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 24.9%; unemployment rate near 13.0%; 11.4% of adults with a bachelor’s degree or higher (about 22.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Retail trade; about 6.3% of workers reporting work-from-home (about 8.8 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 $140,100 — about 60% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $500 (about 57% below the U.S. median rent ($1,163)), and owner-occupancy near 79.9% (about 14.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 37873 in Surgoinsville, TN, a household would need roughly $39,000 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 $900. That is roughly in line with the local median household income ($37,385). 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 Surgoinsville town, TN as Relatively Low (composite score 55.8), which is near the middle of the national distribution. The strongest component scores on US5 are flood (64.7) and wildfire (50.7). 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 Surgoinsville town, TN show little to no average snow and around 48.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 158 for ZIP 37873 (Surgoinsville 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.