ZIP Code 37366 — Pelham CDP, TN Demographics & Data

ZIP code 37366 covers Pelham, TN in Grundy County with a population of about 1,041.

At a glance, the area shows median age of 39.6 (near the U.S. median).

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

Median household income in ZIP 37366 is about $60,050 — about 20% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.4%; unemployment rate near 0.8%; 20.0% of adults with a bachelor’s degree or higher (about 13.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Manufacturing, and Retail trade; about 2.3% of workers reporting work-from-home (about 12.9 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 $160,600 — about 54% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $667 (about 43% below the U.S. median rent ($1,163)), and owner-occupancy near 89.5% (about 24.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 37366 in Pelham, TN, a household would need roughly $44,000 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 $1,032. That sits below the local median household income ($60,050), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Pelham CDP, TN as Very Low (composite score 34.3), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (56.1) and hurricane (45.3). 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 Pelham CDP, TN show little to no average snow and around 63.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 37 for ZIP 37366 (Pelham CDP, 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.