ZIP Code 37387 — Tracy City town, TN Demographics & Data

ZIP code 37387 covers Tracy City, TN in Grundy County with a population of about 3,982.

At a glance, the area shows median age of 40.0 (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 37387 is about $57,188 — about 24% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.2%; unemployment rate near 5.7%; 13.3% of adults with a bachelor’s degree or higher (about 20.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Public administration; about 2.7% of workers reporting work-from-home (about 12.5 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 $123,200 — about 65% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $339 (about 71% below the U.S. median rent ($1,163)), and owner-occupancy near 78.7% (about 13.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 37387 in Tracy City, TN, a household would need roughly $34,000 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 $791. That sits below the local median household income ($57,188), 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 Tracy City town, 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 Tracy City town, TN show little to no average snow and around 67.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 141 for ZIP 37387 (Tracy City town, 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.