ZIP Code 37640 — Butler CDP, TN Demographics & Data

ZIP code 37640 covers Butler, TN in Johnson County with a population of about 3,343.

At a glance, the area shows median age of 54.0 versus a U.S. median of about 38.9.

It sits in telephone area code 423; U.S. House district TN-1; the TRI - CITIES, TN - VA media market.

Median household income in ZIP 37640 is about $47,404 — about 37% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.5%; unemployment rate near 5.3%; 16.1% of adults with a bachelor’s degree or higher (about 17.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Food services, and Retail trade; about 12.8% of workers reporting work-from-home (about 2.4 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 $154,400 — about 56% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $439 (about 62% below the U.S. median rent ($1,163)), and owner-occupancy near 84.3% (about 18.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 37640 in Butler, TN, a household would need roughly $43,000 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 $992. That is roughly in line with the local median household income ($47,404). 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 Butler CDP, TN as Very Low (composite score 28.2), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (54.9) and hurricane (51.1). 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 Butler CDP, TN show little to no average snow and around 49.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 119 for ZIP 37640 (Butler 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.