Cleveland, TN (37312)

Bradley County · Cleveland, TN · Population 37,452

Fresh.Data current as of Apr 24, 2026

Cleveland, TN (ZIP 37312) sits in Bradley County within the Cleveland metro area. The page draws on 2 federal data feeds retrieved Apr 27. Top health signal: High Blood Pressure comes in above the national average at 40.5%. NCES lists 9 schools serving the area, 9 non-charter. 10 colleges and universities serve the area, with median in-state tuition of $23,790. IRS data shows average household income (AGI) of $74,972, well above the ~$45K national average per return. Severe Storm accounts for 50% of the 18 FEMA disaster declarations on record for this ZIP. County Health Rankings reports 10,765 years of potential life lost per 100,000 (2025) — well above the national county median. 32.9% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. IRS migration data (2022-2023) shows a net gain of 1,916 residents (820 households) — the ZIP's primary county is growing. Healthcare access and school options both run strong here, giving residents a wide menu of providers and enrollment choices nearby. Notable: median household income $70,095, fair market rent of $1,420 for a two-bedroom, and a typical home value of $350,232, up 0.9% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.

Demographics

Population & age

Total population
37,452
Median age
40.0

Race & ethnicity

White
84.8%
Black
4.1%
Asian
2.3%
Hispanic / Latino
6.5%
Other / multi-racial
8.7%

Income & housing

Median household income
$70,095
Median home value
$250,300

Education

Bachelor's degree or higher (age 25+)
32.2%

Employment

Unemployment rate
4.2%

Housing

Owner-occupied
9,965(70.7%)
Renter-occupied
4,139(29.3%)
Vacant units
834
Built (median)
1989

Commute

Public transit
0(0.0%)
Work from home
1,186(6.7%)
Avg commute
21.6 min

Economic wellbeing

Below poverty line
4,456(12.1%)
Uninsured
459(1.2%)

Digital access

Broadband access
12,540(88.9%)
No broadband
1,564(11.1%)

Language & nativity

Foreign-born
2,593(6.9%)
Non-English at home
3,075(8.7%)

Studio

$980

/month

1 Bed

$1,080

/month

2 Bed

$1,420

/month

3 Bed

$1,820

/month

4 Bed

$1,880

/month

HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.

Home values

Typical home value

$350,232

Zillow Home Value Index (ZHVI) · as of March 2026

Year-over-year change

+0.9%

vs. March 2025

5-year change

+40.2%

vs. March 2021

Metro area

Cleveland, TN

Metropolitan statistical area

Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.

New housing construction

New housing units permitted

768

Across 733 permitted buildings. Total construction value: $200.3M.

Single-family

714

93% of total units

Multifamily (2+ unit)

54

7% of total units

Single-family value

$191.4M

construction value

Multifamily value

$8.9M

construction value

Based on county-level data (2024).

Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.

Income & tax statistics

Tax returns filed

17,150

Average AGI

$74,972

Avg property tax

$178

EITC participation

14.1%

Income distribution

  • $1 – $25,00028.0% · 4,810
  • $25,000 – $50,00023.8% · 4,090
  • $50,000 – $75,00015.2% · 2,610
  • $75,000 – $100,00010.7% · 1,830
  • $100,000 – $200,00017.0% · 2,920
  • $200,000 or more5.2% · 890

Avg mortgage interest

$364

Avg charitable contribution

$1,283

Avg capital gains

$3,927

Avg total income tax

Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $1285.8M across all reported brackets.

Business & employment

Business establishments

770

Total employment

13,692

Annual payroll

$532.1M

Average annual pay

$38,862

Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.

Employment & wages

Average annual pay

$54,379

Average weekly wage

$1,046

Total employment

40,665

Total establishments

2,478

That is roughly 17% below the US national average of $65,470 per worker.

Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.

Unemployment

Unemployment rate

3.7%

That is 0.3 percentage points below the US national unemployment rate of about 4.0%.

Labor force

48,903

Employed

47,091

Unemployed

1,812

Based on Bradley County, TN data (2024).

Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.

Banking access

FDIC-insured bank branches

11

Strong banking access

Multiple institutions and offices within easy reach of residents.

Total deposits

$1.3B

across all branches in this ZIP

Distinct institutions

10

different banks operating here

Top banks by deposits in this ZIP

  • 1.First Citizens National Bank$308.3M · 2 branches
  • 2.First Horizon Bank$276.1M · 1 branch
  • 3.Truist Bank$154.2M · 1 branch

Based on FDIC-insured branch offices as of June 30, 2024.

Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.

Alternative-fuel stations

Public EV charging stations

4

Established EV charging

Multiple public charging stations across the ZIP — typical of mid-density suburban and small-urban areas with active EV adoption.

Level 2 ports

10

AC charging — workplace, retail, home

DC Fast ports

0

Highway-class fast charging

Charging networks

  • Blink Network
  • ChargePoint Network
  • Tesla

Other

1

Biodiesel, E85, LNG, RD

Active public stations only. Snapshot taken 2026; AFDC's underlying registry refreshes continuously as stations open and close.

Source: U.S. Department of Energy via NREL (afdc.energy.gov). Per-ZIP counts of active public alternative-fuel stations (electric, hydrogen, propane, CNG, biodiesel, E85, LNG, renewable diesel) and EV charging-port totals.

Social Vulnerability Index

Overall SVI

53rd percentile

High Vulnerability

Based on 11 census tracts, population 32,968

Vulnerability Themes

  • Socioeconomic Status50th percentile
  • Household Characteristics68th percentile
  • Racial & Ethnic Minority Status29th percentile
  • Housing Type & Transportation51st percentile

Households Without Vehicle

423

Limited English Speakers

460

Persons with Disability

5,815

Without HS Diploma

2,062

Without Health Insurance

2,922

Adults Age 65+

6,800

The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.

Federal Disaster Declarations

Federally Declared Disasters

18

Date Range

1973–2026

Most Recent Declaration

SEVERE WINTER STORM

Winter Storm — declared February 6, 2026 (DR-4898)

Incident period: January 22, 2026 – January 27, 2026

Top Incident Types

  • Severe Storm9 (50%)
  • Winter Storm2 (11%)
  • Biological2 (11%)
  • Flood2 (11%)
  • Hurricane1 (6%)
  • Other2 (11%)

Individual Assistance

6

Direct help to disaster survivors

Households Program

5

Housing & temporary lodging support

Public Assistance

15

Repair of public facilities & roads

Hazard Mitigation

5

Funding to reduce future disaster risk

FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.

Community health profile

Years of potential life lost (per 100K)

10,765

That is roughly 2,565 years per 100,000 above the national county median (~8,200).

Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.

Fair or poor health

20%

of adults self-report

Poor physical health days

4.7

avg per adult per month

Poor mental health days

6.3

avg per adult per month

Uninsured

11.2%

of residents under 65

Primary care MDs

48

per 100,000 residents

Preventable hospital stays

2,985

per 100K Medicare enrollees

Food environment (0-10)

6.8

10 = best access & security

Exercise access

78%

residents near a facility

Flu vaccinated

44%

of Medicare enrollees

Low birth weight (under 2,500 g) accounts for 8.1% of live births in this county — an early-life health input that downstream outcomes track against.

Based on Bradley data (2025 CHR release).

Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.

Food access

Food access status

Significant food access concerns

32.9% of Bradley County, TN residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.

Grocery stores

0.13

per 1,000 residents

Supercenters & clubs

0.03

per 1,000 residents

SNAP-authorized stores

1.05

accepting food benefits

Fast-food restaurants

0.78

per 1,000 residents

Among low-income residents, 12.4% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).

Per-1,000 figures show how many of each store type exist in Bradley County, TN for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.

Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).

Who’s moving in and out

Net migration (2022-2023)

+1,916 people

+820 households+$76.5M net AGI flow

Moved in

4,434households

8,443 people • $264.8M AGI

Moved out

3,614households

6,527 people • $188.3M AGI

Where new residents came from

  1. Hamilton County, TN681 households
  2. McMinn County, TN203 households
  3. Polk County, TN141 households
  4. Meigs County, TN68 households
  5. Whitfield County, GA55 households

Where departing residents went

  1. Hamilton County, TN637 households
  2. McMinn County, TN207 households
  3. Polk County, TN188 households
  4. Meigs County, TN82 households
  5. Knox County, TN69 households

Incoming households reported an average AGI of $59,713 versus departing households' $52,095.

Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.

Data sources used on this page

Health profile

Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.

Schools in this ZIP

9 schools serve this ZIP, including 9 non-charter.

Top 5 schools by enrollment
SchoolTypeGradesEnrollment
Cleveland HighPublic9–121,728
Walker Valley High SchoolPublic9–121,420
Cleveland MiddlePublic6–81,379
Candy's Creek Cherokee Elementary SchoolPublic-1–5492
North Lee Elementary SchoolPublic-1–5447

Showing top 5 by enrollment. 4 more schools serve this ZIP.

Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.

Fresh.NCES CCD via Urban Institute EDP · Apr 27, 2026

Colleges & universities nearby

Colleges in this area

10

Median in-state tuition

$23,790

Median earnings (10 yr)

$41,881

  • Cleveland State Community College

    Cleveland, TN · 37312

    2-Year
    In-state tuition
    $4,762
    Out-of-state tuition
    $17,746
    Acceptance rate
    Graduation rate
    32.6%
    Median earnings (10 yr)
    $36,671
    Median student debt
    $7,954
  • Brillare Beauty Institute

    Cleveland, TN · 37312

    Certificate
    In-state tuition
    Out-of-state tuition
    Acceptance rate
    Graduation rate
    79.7%
    Median earnings (10 yr)
    $24,728
    Median student debt
    $7,479
  • Motlow State Community College

    Tullahoma, TN · 37388

    2-Year
    In-state tuition
    $4,738
    Out-of-state tuition
    $17,722
    Acceptance rate
    Graduation rate
    31.1%
    Median earnings (10 yr)
    $40,397
    Median student debt
  • Southern Adventist University

    Collegedale, TN · 37315

    4-Year
    In-state tuition
    $27,300
    Out-of-state tuition
    $27,300
    Acceptance rate
    65.5%
    Graduation rate
    50.5%
    Median earnings (10 yr)
    $53,723
    Median student debt
    $24,500
  • Lee University

    Cleveland, TN · 37311

    4-Year
    In-state tuition
    $23,790
    Out-of-state tuition
    $23,790
    Acceptance rate
    70.5%
    Graduation rate
    61.6%
    Median earnings (10 yr)
    $43,222
    Median student debt
    $25,750
  • The University of the South

    Sewanee, TN · 37383

    4-Year
    In-state tuition
    $56,120
    Out-of-state tuition
    $56,120
    Acceptance rate
    56.9%
    Graduation rate
    81.0%
    Median earnings (10 yr)
    $64,911
    Median student debt
    $22,855
  • 4-Year
    In-state tuition
    $30,814
    Out-of-state tuition
    $30,814
    Acceptance rate
    68.8%
    Graduation rate
    45.5%
    Median earnings (10 yr)
    $45,989
    Median student debt
    $20,000
  • Bryan College-Dayton

    Dayton, TN · 37321

    4-Year
    In-state tuition
    $19,800
    Out-of-state tuition
    $19,800
    Acceptance rate
    Graduation rate
    52.7%
    Median earnings (10 yr)
    $54,434
    Median student debt
    $23,000
  • TCAT Athens

    Athens, TN · 37371

    2-Year
    In-state tuition
    Out-of-state tuition
    Acceptance rate
    Graduation rate
    75.9%
    Median earnings (10 yr)
    $40,540
    Median student debt
  • The Hair Academy LLC

    Fayetteville, TN · 37334

    Certificate
    In-state tuition
    Out-of-state tuition
    Acceptance rate
    Graduation rate
    79.6%
    Median earnings (10 yr)
    $22,193
    Median student debt
    $7,917

Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.

What these numbers say together

Cleveland, TN (ZIP 37312) sits in Bradley County within the Cleveland metro area. The page draws on 2 federal data feeds retrieved Apr 27. Top health signal: High Blood Pressure comes in above the national average at 40.5%. NCES lists 9 schools serving the area, 9 non-charter. 10 colleges and universities serve the area, with median in-state tuition of $23,790. IRS data shows average household income (AGI) of $74,972, well above the ~$45K national average per return. Severe Storm accounts for 50% of the 18 FEMA disaster declarations on record for this ZIP. County Health Rankings reports 10,765 years of potential life lost per 100,000 (2025) — well above the national county median. 32.9% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. IRS migration data (2022-2023) shows a net gain of 1,916 residents (820 households) — the ZIP's primary county is growing. Healthcare access and school options both run strong here, giving residents a wide menu of providers and enrollment choices nearby. Notable: median household income $70,095, fair market rent of $1,420 for a two-bedroom, and a typical home value of $350,232, up 0.9% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.

These two readings tell a consistent story. Strong access numbers usually correlate with denser provider networks, and a high school count signals the population base that supports them. Reading them together: a household weighing this ZIP for a multi-year stay can expect both healthcare and education infrastructure to keep pace.

One concrete reading worth keeping: Depression prevalence sits higher the national rate at 27.4%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.

Frequently Asked Questions — ZIP 37312

What is the obesity rate in ZIP 37312?

39.3%, which is 6.3 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).

What is the depression rate in ZIP 37312?

27.4%, which is 5.4 percentage points above the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).

What is the high blood pressure rate in ZIP 37312?

40.5%, which is 8.5 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).

How many schools are in ZIP 37312?

9 schools serve this ZIP, including 9 public schools (NCES CCD, retrieved Apr 27, 2026). No charter schools are listed in this ZIP by NCES CCD.

Does ZIP 37312 have charter schools?

No charter schools are listed in ZIP 37312 by NCES CCD (retrieved Apr 27, 2026).

Are there high schools in ZIP 37312?

Yes, 3 high schools serve this ZIP: Cleveland High, Walker Valley High School, North Cleveland Goal Academy. (NCES CCD, retrieved Apr 27, 2026).

What is the population of ZIP 37312?

37,452 people live in ZIP 37312, with a median age of 40.0 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).

What is the median household income in ZIP 37312?

$70,095 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).

Is ZIP 37312 mostly renters or homeowners?

In ZIP 37312, 70.7% of occupied housing units are owner-occupied and 29.3% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).

How do people commute in ZIP 37312?

In ZIP 37312, 6.7% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).

What is the poverty rate in ZIP 37312?

12.1% of the population in ZIP 37312 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).

What percentage of households in ZIP 37312 have broadband internet?

88.9% of households in ZIP 37312 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).

What is the typical home value in ZIP 37312?

The typical home value in ZIP 37312 is $350,232, up 0.9% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).

Are home values rising or falling in ZIP 37312?

Home values are up 0.9% over the past year and up 40.2% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).

What is the average household income in ZIP 37312?

The average Adjusted Gross Income reported on tax returns from ZIP 37312 (Cleveland, TN) is $74,972 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).

How much do homeowners pay in property tax in ZIP 37312?

Tax returns from ZIP 37312 report an average of $178 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).

What percentage of residents in ZIP 37312 earn over $200,000?

5.2% of tax returns from ZIP 37312 (Cleveland, TN) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).

How many businesses are in ZIP 37312?

As of 2022, 770 business establishments operated in ZIP 37312 employing 13,692 workers (Census ZIP Business Patterns, retrieved May 3, 2026).

What is the average salary in ZIP 37312?

The average annual pay across all local establishments in ZIP 37312 is $38,862, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).

How vulnerable is ZIP 37312 to disasters and public health emergencies?

According to the CDC Social Vulnerability Index (2022), ZIP 37312 ranks in the 53th percentile nationally for social vulnerability — a high vulnerability profile (retrieved May 3, 2026).

What is the biggest vulnerability factor in ZIP 37312?

Household Characteristics is the highest-scoring CDC SVI theme for ZIP 37312, ranking in the 68th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).

How many federally declared disasters has ZIP 37312 experienced?

FEMA has recorded 18 federal disaster declarations affecting ZIP 37312 between 1973–2026 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).

What kinds of disasters most often hit ZIP 37312?

Severe Storm is the most common federally declared disaster type affecting ZIP 37312, accounting for 9 of 18 declarations (50%, FEMA OpenFEMA, retrieved May 3, 2026).

What was the most recent disaster declared for ZIP 37312?

The most recent FEMA disaster declaration affecting ZIP 37312 was "SEVERE WINTER STORM" — a winter storm declared in 2026 (DR-4898) (FEMA OpenFEMA, retrieved May 3, 2026).

What colleges are near ZIP 37312?

10 colleges and universities are listed near ZIP 37312 by the U.S. Department of Education College Scorecard, including Cleveland State Community College, Brillare Beauty Institute, and Motlow State Community College (retrieved May 2, 2026).

What is the average tuition at colleges near ZIP 37312?

Median in-state tuition across 10 nearby institutions is $23,790 (College Scorecard, retrieved May 2, 2026).

What do graduates earn from colleges near ZIP 37312?

Graduates of nearby colleges earn a median of $41,881 ten years after entry (College Scorecard, retrieved May 2, 2026).

What data is available for ZIP 37312?

This page covers health outcomes from CDC PLACES (33 metrics), school information from NCES CCD (9 schools), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, colleges from the U.S. Department of Education College Scorecard (10 institutions), income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), and federal disaster declarations from FEMA OpenFEMA (18 on record). Data is refreshed on Mubboo's standard schedule.

How current is this data?

Health data retrieved Apr 24, 2026 from CDC PLACES. School data retrieved Apr 27, 2026 from NCES CCD. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (18 on record).

More Info topics

Nearby ZIPs: more ZIP code profiles launching Q3 2026.

Have a specific question about ZIP 37312?

Ask Mubboo — launching Q4 2026.

By Mubboo Editorial Team

Last reviewed Apr 24, 2026


Data sources

This page observes HIPAA and FERPA by surfacing only aggregate, de-identified federal datasets. Individual records are never displayed.

Mubboo may earn commissions from partner links. This does not affect our editorial independence.

Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.