ZIP Code 37931 — Karns CDP, TN Demographics & Data

ZIP code 37931 covers Karns, TN in Knox County with a population of about 31,149.

At a glance, the area shows median age of 38.2 (near the U.S. median).

It sits in telephone area code 865; U.S. House district TN-2; the KNOXVILLE media market.

Median household income in ZIP 37931 is about $91,284 — about 21% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.5%; unemployment rate near 2.8%; 44.8% of adults with a bachelor’s degree or higher (about 11.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Manufacturing; about 15.8% of workers reporting work-from-home (roughly in line with 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 $317,100 — about 9% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,233 (about 6% above the U.S. median rent ($1,163)), and owner-occupancy near 71.0% (about 5.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 37931 in Karns, TN, a household would need roughly $87,000 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 $2,037. That is roughly in line with the local median household income ($91,284). 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 Karns CDP, TN as Relatively Moderate (composite score 92.1), which is among the highest nationally. The strongest component scores on US5 are flood (92.8) and hurricane (65.8). 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 Karns CDP, TN show little to no average snow and around 55.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,105 for ZIP 37931 (Karns 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.