37040Clarksville, Tennessee

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 37040.

62out of 100
Area Score
Top 42% of 5,298 profiles measured

How we calculate this

How this area ranks
OpportunityTop 41% of 6,210 ZIP areas measured59
Schools2930th of 4,422 ZIP areas measured39
GrowthTop 8% of 5,428 ZIP areas measured76
Housing affordability3490th of 6,685 ZIP areas measured79
ClimateTop 28% of 6,789 ZIP areas measured75
Physical resilience4048th of 6,709 ZIP areas measured48
Access5737th of 6,791 ZIP areas measured74
Economic stability4314th of 6,742 ZIP areas measured52
The quick read

Unemployment is 4.2% and median household income $67,745, putting employment conditions in the middle range of published ZIP profiles.

2,002 housing units were authorized over the past twelve months, within 12% of the prior year — steady rather than turning.

Rent takes 22% of median household income here, below the 30% threshold conventionally called cost-burdened, and the median home is 4.0 times that income.

At a glance

Population
64,977
2024 ACS 5-Year
Median household income
$67,745
Bottom 43% nationally
Density
700/sq mi
92.8 sq mi of land
Median age
31.4
2024 ACS 5-Year
City
Clarksville
Tennessee
Metro area
Clarksville, TN-KY
Nearest major airport
BNA
45 mi · Nashville Intl
Median home value
$270,000
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 4.2% is lower than 60% of the 6,544 measured US ZIP areas.

Employment fell 1.0% over the past year, to 76,204 employed residents.

MetricValueCompared nationallySource period
Median household income ±$2,310$67,745Bottom 43%of 31,2952024 ACS 5-Year
Per capita income ±$1,602$31,500Bottom 32%of 32,8222024 ACS 5-Year
Poverty rate16.0%Top 28%of 32,9702024 ACS 5-Year
Average commute30.0 minTop 38%of 32,8872024 ACS 5-Year
Bachelor's degree or higher29.0%Top 36%of 33,1932024 ACS 5-Year
Employment76,204Top 40%of 6,544June 2026
Employment change (3 years)4.7%Top 7%of 6,542June 2026
Employment change (year over year)-1.0%Bottom 45%of 6,544June 2026
Labor force79,586Top 41%of 6,544June 2026
Labor force participation63.6%Top 38%of 33,2522024 ACS 5-Year
Mean annual wage$53,330Bottom 3%of 6,0722025 OEWS
Median annual wage$44,860Bottom 7%of 6,0722025 OEWS
Unemployment change (year over year)-0.2%Bottom 36%of 6,544June 2026
Unemployment rate4.2%Bottom 40%of 6,544June 2026
Median household income, successive ACS releases
202120222023202468k58k
Each point is a separate five-year estimate, most recently $67,745 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — Clarksville, TN-KY
OccupationPeople employedMedian annual wage
Fast Food and Counter Workers4,000$26,990
Retail Salespersons3,470$29,100
Stockers and Order Fillers2,960$36,460
Cashiers2,720$28,230
Laborers and Freight, Stock, and Material Movers, Hand2,580$37,070
Miscellaneous Assemblers and Fabricators2,520$45,560

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

The Bureau of Labor Statistics does not publish labor-force data for ZIP areas. This is the figure for Clarksville, TN, the city containing this ZIP code.

27% of students met the state standard in mathematics and 30% in reading, across the schools here that reported results.

Public schools
10
2024-25 school year
Students per teacher
Math proficiency
27.2%
Bottom 33% in Tennessee
Reading proficiency
29.8%
Bottom 47% in Tennessee
SchoolDistrictStudentsPer teacherMathReading
Northeast HighMontgomery County1,335
Glenellen ElementaryMontgomery County1,14329%30%
Northeast MiddleMontgomery County1,07418%22%
Oakland ElementaryMontgomery County1,04428%35%
Northeast ElementaryMontgomery County72230%30%
Norman Smith ElementaryMontgomery County60914%23%
Cumberland Heights ElementaryMontgomery County60445%33%
Moore Magnet ElementaryMontgomery County45633%38%
Middle College @ Austin Peay State UniversityMontgomery County105
CMCSS Adult High SchoolMontgomery County99

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against Tennessee’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Median rent of $1,266 takes 22% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 4.0 times median household income here, above the historic benchmark of about three times income.

Rent as a share of income
22.4%
Below the 30% cost-burdened threshold
Home price to income
4.0×
median home value ÷ median income
Median gross rent
$1,266
2024 ACS 5-Year
Median home value
$270,000
2024 ACS 5-Year
MetricValueCompared nationallySource period
Home price to income3.99Top 29%of 30,4042024 ACS 5-Year
Homeownership rate57.8%Bottom 14%of 32,9102024 ACS 5-Year
Housing units ±1,01026,100Top 1%of 33,7722024 ACS 5-Year
Median gross rent ±$51$1,266Top 32%of 26,6182024 ACS 5-Year
Median home value ±$12,848$270,000Top 38%of 30,9412024 ACS 5-Year
Rent as a share of income22.4%Top 23%of 26,4702024 ACS 5-Year
Vacancy rate5.3%Bottom 24%of 33,0282024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
76/ 100
Top 8% of 5,428 published city profiles

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

At 11.3 permitted units per 1,000 residents, building activity is above the median for measured US ZIP areas.

Units permitted
2,002
12 months ending July 2026
Per 1,000 residents
11.3
Top 9% nationally
Year over year
−12%
vs the prior twelve months
Multifamily share
40.4%
units in 5+ unit buildings

The Building Permits Survey is not published for ZIP areas. This is the figure for Clarksville, TN, the city containing this ZIP code.

Weather & climate

7 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 89°F and January a low of 28°F.

Normal annual precipitation is 47.2 inches.

Air quality measures a median index of 32, in the Good band, and no day in the year passed 100.

20°40°60°80°100°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station CLARKSVILLE OUTLAW AP, 8.7 miles from this location.
Precipitation
JFMAMJJASOND4.9"
Normal monthly precipitation, in inches.
MetricValueSource period
90th percentile air quality index52.02024 calendar year
Annual precipitation47.2"1991-2020 Normals
Average January low28°F1991-2020 Normals
Average July high89°F1991-2020 Normals
Comfortable months71991-2020 Normals
Days above AQI 10002024 calendar year
Median air quality index32.02024 calendar year
Seasonal temperature swing41°F1991-2020 Normals
Air quality
Median air quality index
32
Good on a typical day
Worst tenth of days
52
90th percentile index
Days above 100
0
unhealthy for sensitive groups

A comfortable median and a bad tail are different problems. Wildfire smoke and summer ozone show up in the worst tenth of days, not in the middle of the year.

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today. Air quality is measured rather than modelled, by EPA monitors, and published by county only where a monitor sits — roughly half the counties AreaProfile publishes have one, and the rest show nothing rather than an estimate. Air masses are regional, so a county reading describes the air over a place reasonably well, but it is still the county reading.

Physical risk

48 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are inland flooding, earthquake and tornado.

EarthquakeModerate
TornadoModerate
Ice stormModerate
Strong windModerate
HailModerate
Inland floodingModerate

Low or minimal exposure: cold wave, lightning, heat wave, winter weather, landslide, drought, hurricane, wildfire.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. ZIP values are the land-area-weighted mean of the counties the ZIP Code Tabulation Area intersects. Expected annual loss is not allocated below county level. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

These are deaths, not offences. AreaProfile does not publish reported crime, and this is not a substitute for it — it says nothing about burglary, theft or assault.

Montgomery County records 7.9 homicide deaths per 100,000 residents a year, higher than most counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 24.2 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 19.2 per 100,000 residents in Montgomery County.

Homicide
7.9
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
24.2
per 100,000 residents · under 10 deaths
Drug overdose
19.2
per 100,000 residents · under 10 deaths
Suicide
22.1
per 100,000 residents · under 10 deaths

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Montgomery County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around 37040 rather than 37040 itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
The FBI’s Crime Data Explorer is the only source for reported offences with national coverage and a published method, and it requires an API key AreaProfile does not hold. Arrest counts, news volume and commercial “safety scores” are not substituted in the meantime. What is published above under Safety is a different measurement — deaths rather than offences, from death certificates rather than police returns — and it covers no property crime at all.
Taxes
No tax dataset has met the source admission test for coverage, transparent methodology and update cadence. Nothing here is individualized tax advice.
Full cost of living
No public source publishes one with national coverage and a documented method. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings.

Access

3 major airports lie within 100 miles, the nearest 45 miles away.

AirportCodeDistanceLongest runway
Nashville IntlBNA45 mi11,030 ft
SmyrnaMQY57 mi8,038 ft
Owensboro/Daviess County RgnlOWB85 mi8,000 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2019-20 school year; 2024-25 school yearDirectory annually; assessment results as EDFacts releases them
ClimateU.S. Environmental Protection Agency, Air Quality System
Daily Air Quality Index by county
2024 calendar yearAnnually, once a calendar year is complete

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

37040 vs Clarksville

How this ZIP area compares with Clarksville as a whole. Both figures come from the same ACS release, so the comparison is like for like.

37040
Clarksville
Median household income
$67,745
vs
$69,303
Per capita income
$31,500
vs
$32,565
Population density
700/sq mi
vs
1,763/sq mi
Median home value
$270,000
vs
$263,600
Median gross rent
$1,266
vs
$1,307
Homeownership rate
57.8%
vs
55.6%
Bachelor's degree or higher
29.0%
vs
29.9%
Poverty rate
16.0%
vs
12.3%
Median age
31.4
vs
31.0

Some demographic statistics use Census ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP delivery geography. See the methodology for how AreaProfile maps between them.