ZIP Code 37020 — Bell Buckle town, TN Demographics & Data

ZIP code 37020 covers Bell Buckle, TN in Bedford County with a population of about 5,171.

At a glance, the area shows median age of 38.8 (near the U.S. median).

It sits in telephone area codes 615, 629, 931; U.S. House district TN-4; the NASHVILLE media market.

Median household income in ZIP 37020 is about $81,025 — about 8% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.5%; unemployment rate near 3.2%; 29.3% of adults with a bachelor’s degree or higher (about 4.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Construction, and Education; about 16.4% of workers reporting work-from-home (about 1.2 points above 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 $302,500 — about 13% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $880 (about 24% below the U.S. median rent ($1,163)), and owner-occupancy near 96.8% (about 31.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 37020 in Bell Buckle, TN, a household would need roughly $83,000 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 $1,943. That is roughly in line with the local median household income ($81,025). 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 Bell Buckle town, TN as Relatively Low (composite score 69.2), which is near the middle of the national distribution. The strongest component scores on US5 are flood (70.2) and hurricane (55.0). 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 Bell Buckle town, TN show little to no average snow and around 57.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 183 for ZIP 37020 (Bell Buckle 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.