ZIP Code 37160 — Shelbyville city, TN Demographics & Data

ZIP code 37160 covers Shelbyville, TN in Bedford County with a population of about 36,422.

At a glance, the area shows median age of 35.7 versus a U.S. median of about 38.9.

It sits in telephone area code 931; U.S. House district TN-4; the NASHVILLE media market.

Median household income in ZIP 37160 is about $58,899 — about 22% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.3%; unemployment rate near 4.0%; 15.6% of adults with a bachelor’s degree or higher (about 18.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Construction; about 7.4% of workers reporting work-from-home (about 7.8 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 $257,700 — about 26% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $756 (about 35% below the U.S. median rent ($1,163)), and owner-occupancy near 62.5% (about 3.0 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 37160 in Shelbyville, TN, a household would need roughly $71,000 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 $1,655. That is about 21% above the local median household income ($58,899), 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 Shelbyville city, 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 Shelbyville city, TN show little to no average snow and around 59.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,292 for ZIP 37160 (Shelbyville 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.