ZIP Code 37748 — Coalfield CDP, TN Demographics & Data

ZIP code 37748 covers Coalfield, TN in Roane County with a population of about 17,021.

At a glance, the area shows median age of 47.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 423, 865; U.S. House district TN-3; the KNOXVILLE media market.

Coalfield, TN sits in a university / college context (near tennessee college of applied technology-harriman (1.0 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 37748 is about $58,649 — about 22% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.5%; unemployment rate near 3.0%; 20.1% of adults with a bachelor’s degree or higher (about 13.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Construction; about 4.9% of workers reporting work-from-home (about 10.3 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 $173,600 — about 50% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $555 (about 52% below the U.S. median rent ($1,163)), and owner-occupancy near 74.6% (about 9.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 37748 in Coalfield, TN, a household would need roughly $48,000 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 $1,115. That sits below the local median household income ($58,649), 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 Coalfield CDP, TN as Relatively Low (composite score 69.0), which is near the middle of the national distribution. The strongest component scores on US5 are flood (69.9) and hurricane (48.6). 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 Coalfield CDP, TN show little to no average snow and around 58.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 604 for ZIP 37748 (Coalfield 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.