ZIP Code 37049 — Cross Plains city, TN Demographics & Data

ZIP code 37049 covers Cross Plains, TN in Robertson County with a population of about 4,025.

At a glance, the area shows median age of 38.0 (near the U.S. median).

It sits in telephone area codes 615, 629; U.S. House district TN-7; the NASHVILLE media market.

Median household income in ZIP 37049 is about $84,677 — about 13% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.1%; unemployment rate near 3.2%; 21.1% of adults with a bachelor’s degree or higher (about 12.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Construction, and Education; about 7.7% of workers reporting work-from-home (about 7.5 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 $357,900 — about 3% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $732 (about 37% below the U.S. median rent ($1,163)), and owner-occupancy near 84.0% (about 18.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 37049 in Cross Plains, TN, a household would need roughly $99,000 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 $2,299. That is about 17% above the local median household income ($84,677), so the median earner would likely stretch or need a larger down payment. 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 Cross Plains city, TN as Relatively Low (composite score 60.4), which is near the middle of the national distribution. The strongest component scores on US5 are flood (53.1) and hurricane (32.9). 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 Cross Plains city, TN show little to no average snow and around 54.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 143 for ZIP 37049 (Cross Plains 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.