What to know about ZIP 37320
ZIP code 37320 covers ZIP 37320 with a population of about 3,588.
At a glance, the area shows median age of 39.1 (near the U.S. median).
It sits in the CHATTANOOGA media market.
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ZIP Code 37320 — undefined, undefined Demographics & Data
Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.
Middle Class
At a glance
Population
3,588
Density
N/A
Median income
$71,818
-4% vs US avg
Home value
$288,300
-17% vs US avg
Median rent
$740
-36% vs US avg
Timezone
N/A
Overview of ZIP Code 37320
Income and economy in ZIP 37320
Median household income in ZIP 37320 is about $71,818 — about 4% below the U.S. median ($75,149).
On socioeconomic markers, US5 shows a poverty rate of 9.0%; unemployment rate near 3.9%; 32.6% of adults with a bachelor’s degree or higher (about 1.1 points below the national share (33.7%)).
Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Healthcare; about 4.7% of workers reporting work-from-home (about 10.5 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).
Housing and affordability in ZIP 37320
Median home value is about $288,300 — about 17% below the U.S. median home value ($348,079).
Housing tenure and rents show median gross rent around $740 (about 36% below the U.S. median rent ($1,163)), and owner-occupancy near 53.0% (about 12.4 points below the national owner-occupancy rate (65.4%)).
To comfortably buy a median-priced home in ZIP 37320, a household would need roughly $79,000 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 $1,852. That is roughly in line with the local median household income ($71,818). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.