| ZIP Code | 37095 |
|---|---|
| City | Liberty |
| State | Tennessee (TN) |
| County | DeKalb County |
| Area Code | 615/629/931 |
| Elevation | 1,040 ft |
| Latitude | 35.965928 |
|---|---|
| Longitude | -85.961077 |
| Timezone | Chicago (DST) |
| FIPS | 47041 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 43.9 yrs ↑ 20% since 2019 |
|---|---|
| Avg Household Size | 2.32 |
| Below Poverty | 30.3% ▲ 203% above avg |
| College Grads | 33.1% ▼ 15% below avg |
| Unemployment | 2.1% ▼ 56% below avg |
| No HS Diploma | 7 (0.6%) |
| HS Graduate | 591 (47.3%) |
| Some College | 167 (13.4%) |
| Associates | 71 (5.7%) |
| Bachelors | 98 (7.8%) |
| Graduate Degree | 315 (25.2%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $50,278 ▼ 34% below avg ↑ 2% since 2019 |
|---|---|
| Median Home Value | $196,500 ▼ 30% below avg ↑ 23% since 2019 |
| Home/Income Ratio | 3.9x (nat avg ~3.5x) |
| Median Rent | $941/mo ↑ 56% since 2019 |
| Total Units | 929 |
| Vacant Units | 137 |
| Avg HH Size | 2.32 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 929 |
|---|---|
| Vacant | 137 |
| Owner Occupied | 67.1% |
| Renter Occupied | 33.0% |
| Avg HH Size | 2.32 |
ZIP code 37095 is located in Liberty, Tennessee, within DeKalb County. With a population of 1,840, this is a sparsely populated ZIP code with a middle-aged community — the median age is 43.9 years. Economically, 37095 is a working-class ZIP code: the median household income of $50,278 is below the national average.
Real estate in ZIP code 37095 represents an affordable housing market. The median home value of $196,500 is below the national average. Renters can expect to pay around $941 per month in median rent. Homeownership is strong here — 67.1% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 23% since 2019.
The population of 37095 is primarily White (92.88%). Residents are moderately educated — 33.1% hold a bachelor's degree or higher, which is near the national average. Poverty affects a significant share of residents at 30.3%. Household income has grown by 2% since 2019.
The unemployment rate in 37095 stands at 2.1%, which is well below the national average. About 14% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 78%.
Overall, ZIP code 37095 in Liberty, TN is characterized as working-class, moderately educated, a middle-aged community, and predominantly owner-occupied. With 1,840 residents, a median household income of $50,278, and a median home value of $196,500, it offers a clear picture of life in this part of Tennessee.