Population & age
- Total population
- 37,452
- Median age
- 40.0
Bradley County · Cleveland, TN · Population 37,452
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.
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.
$350,232
Zillow Home Value Index (ZHVI) · as of March 2026
+0.9%
vs. March 2025
+40.2%
vs. March 2021
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 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.
Tax returns filed
17,150
Average AGI
$74,972
Avg property tax
$178
EITC participation
14.1%
Income distribution
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 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.
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 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.
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
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.
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
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.
Overall SVI
53rd percentile
High Vulnerability
Based on 11 census tracts, population 32,968
Vulnerability Themes
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.
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
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.
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 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).
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
Where departing residents went
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.
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
39.3%
6.3pp above the 33.0% national rate.
40.5%
8.5pp above the 32.0% national rate.
27.4%
5.4pp above the 22.0% national rate.
78.6%
2.6pp above the 76.0% national rate.
10.2%
2.8pp below the 13.0% national rate.
12.8%
Tracks close to the 11.0% national rate.
9 schools serve this ZIP, including 9 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| Cleveland High | Public | 9–12 | 1,728 |
| Walker Valley High School | Public | 9–12 | 1,420 |
| Cleveland Middle | Public | 6–8 | 1,379 |
| Candy's Creek Cherokee Elementary School | Public | -1–5 | 492 |
| North Lee Elementary School | Public | -1–5 | 447 |
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, 2026Colleges in this area
10
Median in-state tuition
$23,790
Median earnings (10 yr)
$41,881
Cleveland, TN · 37312
Cleveland, TN · 37312
Tullahoma, TN · 37388
Collegedale, TN · 37315
Cleveland, TN · 37311
Sewanee, TN · 37383
Athens, TN · 37303
Dayton, TN · 37321
Athens, TN · 37371
Fayetteville, TN · 37334
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.
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.
39.3%, which is 6.3 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
27.4%, which is 5.4 percentage points above the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
40.5%, which is 8.5 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
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.
No charter schools are listed in ZIP 37312 by NCES CCD (retrieved Apr 27, 2026).
Yes, 3 high schools serve this ZIP: Cleveland High, Walker Valley High School, North Cleveland Goal Academy. (NCES CCD, retrieved Apr 27, 2026).
37,452 people live in ZIP 37312, with a median age of 40.0 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
$70,095 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
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).
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).
12.1% of the population in ZIP 37312 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
88.9% of households in ZIP 37312 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
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).
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).
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).
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).
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).
As of 2022, 770 business establishments operated in ZIP 37312 employing 13,692 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
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).
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).
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).
FEMA has recorded 18 federal disaster declarations affecting ZIP 37312 between 1973–2026 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
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).
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).
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).
Median in-state tuition across 10 nearby institutions is $23,790 (College Scorecard, retrieved May 2, 2026).
Graduates of nearby colleges earn a median of $41,881 ten years after entry (College Scorecard, retrieved May 2, 2026).
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.
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).
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Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.