ZIP Code 37308 — undefined, TN Demographics & Data

ZIP code 37308 covers TN in Hamilton County with a population of about 2,957.

At a glance, the area shows median age of 37.3 versus a U.S. median of about 38.9.

It sits in telephone area code 423; U.S. House district TN-3; the CHATTANOOGA media market.

Median household income in ZIP 37308 is about $69,398 — about 8% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.5%; unemployment rate near 2.9%; 13.9% of adults with a bachelor’s degree or higher (about 19.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Professional services; about 10.1% of workers reporting work-from-home (about 5.1 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 $238,200 — about 32% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $657 (about 44% below the U.S. median rent ($1,163)), and owner-occupancy near 84.9% (about 19.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 37308 in TN, a household would need roughly $66,000 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 $1,530. That is roughly in line with the local median household income ($69,398). 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 TN as Relatively Moderate (composite score 93.3), which is among the highest nationally. The strongest component scores on US5 are flood (94.9) and wildfire (70.6). 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 TN show little to no average snow and around 58.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 105 for ZIP 37308 (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.