ZIP Code 37312 — Cleveland city, TN Demographics & Data

ZIP code 37312 covers Cleveland, TN in Bradley County with a population of about 36,894.

At a glance, the area shows median age of 40.6 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.

Cleveland, TN sits in a university / college context (near cleveland state community college (2.2 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 37312 is about $75,369 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.3%; unemployment rate near 5.6%; 36.3% of adults with a bachelor’s degree or higher (about 2.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Education, and Retail trade; 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 $270,500 — about 22% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $884 (about 24% below the U.S. median rent ($1,163)), and owner-occupancy near 71.1% (about 5.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 37312 in Cleveland, 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 $1,738. That is roughly in line with the local median household income ($75,369). 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 Cleveland city, TN as Relatively Low (composite score 73.4), which is elevated versus much of the country. The strongest component scores on US5 are flood (69.1) and hurricane (55.8). 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 Cleveland city, TN show little to no average snow and around 57.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,308 for ZIP 37312 (Cleveland 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.