37042Clarksville, Tennessee

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 37042.

61out of 100
Area Score
Top 45% of 5,298 profiles measured

How we calculate this

How this area ranks
OpportunityTop 41% of 6,210 ZIP areas measured59
Schools3782nd of 4,422 ZIP areas measured24
GrowthTop 8% of 5,428 ZIP areas measured76
Housing affordabilityTop 41% of 6,685 ZIP areas measured86
ClimateTop 28% of 6,789 ZIP areas measured75
Physical resilience4048th of 6,709 ZIP areas measured48
Access5943rd of 6,791 ZIP areas measured71
Economic stabilityTop 41% of 6,742 ZIP areas measured65
The quick read

Unemployment is 4.2% and median household income $70,393, 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 3.5 times that income.

At a glance

Population
87,652
2024 ACS 5-Year
Median household income
$70,393
Bottom 48% nationally
Density
1,541/sq mi
56.9 sq mi of land
Median age
30.2
2024 ACS 5-Year
City
Clarksville
Tennessee
Metro area
Clarksville, TN-KY
Nearest major airport
BNA
51 mi · Nashville Intl
Median home value
$247,100
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 ±$2,758$70,393Bottom 48%of 31,2952024 ACS 5-Year
Per capita income ±$1,107$31,479Bottom 32%of 32,8222024 ACS 5-Year
Poverty rate12.3%Top 42%of 32,9702024 ACS 5-Year
Average commute29.8 minTop 39%of 32,8872024 ACS 5-Year
Bachelor's degree or higher25.3%Top 45%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 participation71.6%Top 11%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
202120222023202470k57k
Each point is a separate five-year estimate, most recently $70,393 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.

22% of students met the state standard in mathematics and 23% in reading, across the schools here that reported results.

Public schools
15
2024-25 school year
Students per teacher
Math proficiency
21.8%
Bottom 21% in Tennessee
Reading proficiency
23.0%
Bottom 26% in Tennessee
SchoolDistrictStudentsPer teacherMathReading
West Creek HighMontgomery County1,600
Northwest HighMontgomery County1,441
Kenwood HighMontgomery County1,238
West Creek MiddleMontgomery County1,16522%22%
West Creek ElementaryMontgomery County1,09628%32%
Kenwood MiddleMontgomery County1,0838%10%
New Providence MiddleMontgomery County1,01214%13%
Hazelwood ElementaryMontgomery County99227%30%
Barkers Mill ElementaryMontgomery County96529%24%
Pisgah ElementaryMontgomery County93428%30%
Liberty ElementaryMontgomery County86630%28%
Ringgold ElementaryMontgomery County82919%24%

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 →

Prices for everything a household buys run about 8% below the national average, on the Bureau of Economic Analysis index. Housing drives most of that difference.

Median rent of $1,271 takes 22% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 3.5 times median household income here, above the historic benchmark of about three times income.

Cost of living
91.7

Prices here run about 8% below the national average. The spread between places is driven mostly by housing — goods vary far less — and this excludes taxes.

Rent as a share of income
21.7%
Below the 30% cost-burdened threshold
Home price to income
3.5×
median home value ÷ median income
Median gross rent
$1,271
2024 ACS 5-Year
Median home value
$247,100
2024 ACS 5-Year
MetricValueCompared nationallySource period
Cost of living index91.7Bottom 16%of 6,0712023
Home price to income3.51Top 39%of 30,4042024 ACS 5-Year
Homeownership rate58.6%Bottom 15%of 32,9102024 ACS 5-Year
Housing units ±94236,524Top 1%of 33,7722024 ACS 5-Year
Median gross rent ±$55$1,271Top 32%of 26,6182024 ACS 5-Year
Median home value ±$7,753$247,100Top 43%of 30,9412024 ACS 5-Year
Rent as a share of income21.7%Top 26%of 26,4702024 ACS 5-Year
Vacancy rate6.9%Bottom 33%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, 3.8 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 — they say 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 37042 rather than 37042 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
Offences reported to police are published by department rather than by town, and only where a department reported every month of the year. No municipal department reports for this place — many smaller communities are policed by the county — so there is no figure to show. A partial year is never scaled up to look complete, and arrest counts or news volume are never substituted for it.
Taxes
Taxes are not published: no source covers them nationally with a method open enough to check. Cost of living now is — the index above is the Bureau of Economic Analysis price parity for this area — but it is a price level for all consumption rather than a budget for a household, its spread is driven mostly by housing, and it excludes taxes. Housing affordability is computed separately from rent, price and income, because that answers a narrower and more actionable question. Nothing here is individualised tax advice.
Anything about a specific address
Every figure describes an area, not a street or a house. School attendance zones, insurance pricing and the character of a neighbourhood all vary within the places measured here.

Access

3 major airports lie within 100 miles, the nearest 51 miles away.

AirportCodeDistanceLongest runway
Nashville IntlBNA51 mi11,030 ft
SmyrnaMQY63 mi8,038 ft
Owensboro/Daviess County RgnlOWB82 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.

Customize your score

What matters to you?

Choose what you weight most heavily. Nothing is saved to an account — your preferences stay in this browser, and the Area Score never changes.

Area Score
61
Your Score

Select one or more priorities to see how this location scores against them.

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)
HousingU.S. Bureau of Economic Analysis
Regional price parities and county personal income
2023Annually, each December
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)
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)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
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.

37042 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.

37042
Clarksville
Median household income
$70,393
vs
$69,303
Per capita income
$31,479
vs
$32,565
Population density
1,541/sq mi
vs
1,763/sq mi
Median home value
$247,100
vs
$263,600
Median gross rent
$1,271
vs
$1,307
Homeownership rate
58.6%
vs
55.6%
Bachelor's degree or higher
25.3%
vs
29.9%
Poverty rate
12.3%
vs
12.3%
Median age
30.2
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.