ZIP Code 37086 — La Vergne city, TN Demographics & Data

ZIP code 37086 covers La Vergne, TN in Rutherford County with a population of about 37,786.

At a glance, the area shows median age of 32.3 versus a U.S. median of about 38.9.

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

Median household income in ZIP 37086 is about $79,285 — about 6% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.7%; unemployment rate near 2.6%; 22.8% of adults with a bachelor’s degree or higher (about 10.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Retail trade; about 10.6% of workers reporting work-from-home (about 4.6 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 $268,700 — about 23% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,505 (about 29% above the U.S. median rent ($1,163)), and owner-occupancy near 69.9% (about 4.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 37086 in La Vergne, TN, a household would need roughly $74,000 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 $1,726. That is roughly in line with the local median household income ($79,285). 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 La Vergne city, TN as Relatively Moderate (composite score 91.7), which is among the highest nationally. The strongest component scores on US5 are flood (93.4) and hurricane (52.7). 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 La Vergne city, TN show little to no average snow.

IRS migration statistics show a net inflow of about 1,340 for ZIP 37086 (La Vergne 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.