ZIP Code 37086: Population, Income, Housing

State: TN
Total population: 38,872 Household income: $78,857 Rent: $1,811

Overview

Total population
38,872
Rent
$1,811
Year built
2001
Household income
$78,857
Per capita income
$31,469
Poverty rate
15.6%
Unemployment rate
N/A
Household size
3.0 persons
Rent over 30% of income
50.9%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Demographics

State
Tennessee
County
Rutherford County
Town
La Vergne
Total population
38,872
Adults over 25
23,950
Total households
12,887
Household size
3.0 persons

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Income & Poverty

Household income
$78,857
Per capita income
$31,469
Poverty rate
15.6%
Unemployment rate
N/A
Rent over 30% of income
50.9%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Housing

Rent
$1,811
Year built
2001
Households that rent
26.6%
Households that own
73.4%
Rooms per home (all homes)
5.7

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Race

White
45%
Black
24.8%
Asian
3.6%
Two or more races
17.5%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Ethnicity

Hispanic or Latino
25.9%
Not Hispanic or Latino
74.1%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Commute

Commute rate
17,507 (87%)
Commute time to work
32 mins
Work from home
2,624 (13%)

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Education

Less than high school
31.3%
High school graduate or GED
35%
Some college or associate degree
11.3%
Bachelor’s degree or higher
22.4%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

 

Comparison of ZIP Code 37086 with: Rutherford County, TN Nashville metro area, TN Tennessee United States

ZIP 37086

Total population38,872
Rent$1,811
Year built2001
Household income$78,857
Per capita income$31,469
Poverty rate15.6%
Unemployment rateN/A

Rutherford County, TN

Total population360,646
Rent$1,502
Year built2001
Household income$85,470
Per capita income$39,158
Poverty rate9.3%
Unemployment rate3%

Nashville Metro Area, TN

Total population2,079,596
Rent$1,528
Year built1994
Household income$85,447
Per capita income$47,249
Poverty rate10.4%
Unemployment rate2.9%

Tennessee State

Total population7,066,383
Rent$1,189
Year built1987
Household income$69,595
Per capita income$39,437
Poverty rate13.8%
Unemployment rate3.4%

United States

Total population334,922,499
Rent$1,413
Year built1980
Household income$80,734
Per capita income$44,673
Poverty rate12.5%
Unemployment rate4%
Metric ZIP37086 CountyRutherford, TNMetro AreaNashville metro area, TNStateTennesseeCountryUnited States
Total population38,872360,6462,079,5967,066,383334,922,499
Rent$1,811$1,502$1,528$1,189$1,413
Year built20012001199419871980
Household income$78,857$85,470$85,447$69,595$80,734
Per capita income$31,469$39,158$47,249$39,437$44,673
Poverty rate15.6%9.3%10.4%13.8%12.5%
Unemployment rateN/A3%2.9%3.4%4%

View the full multi-level comparison →

 

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Summary for 37086

Rent & Income

In 37086, the typical monthly rent is $1,811 and the typical household income is $78,857. Rent here is higher than Tennessee, and household income is higher than Tennessee. The estimated poverty rate is 15.6%.

Housing & Affordability

This ZIP Code is primarily owner-occupied, with renters accounting for about 26.6% of households. About 50.9% of renters spend more than 30% of their income on housing, indicating high cost burden.

Education & Employment

Educational attainment is moderate, with about 22.4% of adults holding a bachelor’s degree or higher.

 

ZIP 37086 — Rent vs Household Income

 

 

ZIP 37086 — Poverty

 

 

How ZIP 37086 compares in Tennessee (69 ZIP Codes)

Metric This ZIP Rank Starts from State range
Rent $1,811 63 / 69 from lower rent $732 – $2,202
Household income $78,857 27 / 69 from higher income $36,901 – $154,578
Poverty rate 15.6% 47 / 69 from lower poverty 3.4% – 37.7%

Rankings are calculated among ZIP Codes in Tennessee with total population > 30,000 (year 2024).

 

Detailed Ranking Explanation for ZIP Code 37086

Rent

In terms of rental prices, this ZIP stands 63rd out of 69 ZIP Codes in Tennessee. Across Tennessee, figures vary from $732 in ZIP 37643 up to $2,202 in ZIP 37027.

Household income

When comparing household incomes, ZIP Code 37086 stands 27th out of 69 ZIP Codes. Throughout Tennessee, numbers span from $36,901 in ZIP 38127 up to $154,578 in ZIP 37027.

Poverty rate

Looking at poverty indicators, this ZIP stands 47th out of 69 ZIP Codes. At the state level, values extend from 3.4% in ZIP 38017 up to 37.7% in ZIP 38127.

 

💰 Rent in ZIP Code 37086 (with Utilities)

Estimated Monthly Rent: $1,811 ℹ️ What’s Included:
✅ Base rent, electricity, gas, water/sewer, and heating fuels
❌ Not included: internet, cable TV, renter's insurance, parking

💡 What does this rent estimate mean?

Explanation: This estimate shows what renters typically pay each month for housing — including the apartment or home and essential utilities like heat, water, and electricity.

Included in this number: Rent plus electricity, gas, water/sewer, and heating fuel.

Not included: Internet, cable, parking, renter’s insurance, or furniture rental.

Note: This cost does not depend on the number of people living in the home.

👨‍👧‍👦 Household Income in ZIP Code 37086

Annual Household Income: $78,857

💡 What does Household Income mean?

Definition: This represents the middle value of all household incomes in the ZIP code — half of households earn less, and half earn more.

Includes: wages, salaries, self-employment income, Social Security, pensions, investments, unemployment, public assistance, and rental income.

Does NOT include: capital gains, non-cash benefits (like food stamps), or tax refunds.

Household = any group of people (or a single person) living in the same housing unit.

Example: A couple earning $40,000 and $30,000 together have a household income of $70,000. If that's in the middle of all local incomes, it's the value shown here.

📉 Poverty Rate in ZIP Code 37086

Estimated Rate: 15.6%

💡 What does the Poverty Rate represent?

Definition: The percentage of people in this area living below the federal poverty threshold.

How it works: The threshold is a dollar amount set by the U.S. Census Bureau that varies by family size and age. If a household's income is below that level, everyone in it is included in this rate.

Example: In a town of 10,000 people, if 1,500 have incomes below the poverty line, the poverty rate is 15%.

Note: This statistic only includes people living in households; it does not count those in student housing, military barracks, or nursing homes.

🏘️ Renter vs. Owner Households in ZIP Code 37086

In ZIP Code 37086, households that rent: 3,434 (26.6%)

📊 What does the renter household percentage reveal about this ZIP Code?
Household Type Count Share
Renter-Occupied 3,434 26.6%
Owner-Occupied 9,453 73.4%

Definition: This is the percentage of households that rent their home rather than own it. It includes only occupied housing units.

Why it matters: Areas with a high share of renter households often have younger populations, higher mobility, and different housing needs compared to mostly owner-occupied areas.

Example: If 65% of homes in an area are renter-occupied, it means 65 out of every 100 households rent their home.

📉 Renters Spending Over 30% of Income on Rent in ZIP Code 37086

In ZIP Code 37086, cost-burdened renters (households spending over 30% of income on housing): 1,748 (50.9%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?
Household Group Households Share
Cost-burdened renters (over 30%) 1,748 50.9%
Other renter households 1,686 49.1%
Total renter households 3,434 100%

Shares are calculated as a percentage of renter households.

This shows how many renters in the ZIP code are considered cost-burdened — meaning they spend more than 30% of their income on housing (rent and basic utilities).

It’s a sign that housing might be unaffordable in the area or that lower-income residents may be struggling with rent.

Data comes from the U.S. Census Bureau’s American Community Survey.

📊 Education Levels in ZIP Code 37086

Less than High School: 7,491 people (31.3%)

Includes adults who did not complete high school.

High School Graduate or GED: 8,383 people (35%)

Includes adults whose highest education is a high school diploma or GED.

Some College or Associate Degree: 2,701 people (11.3%)

Includes adults who attended college without completing a bachelor’s degree (some college or associate degree).

Bachelor’s Degree or Higher: 5,375 people (22.4%)

Includes adults with a bachelor’s degree or higher (bachelor’s, master’s, professional, or doctoral degree).

👥 Total Adults (25+): 23,950

ℹ️ Have questions about how these statistics are calculated? See our data methodology & FAQs

 

Source: ACS 5-Year Estimates (U.S. Census Bureau) — unemployment rate from BLS. Some values are derived metrics.