AreaProfile

37363Collegedale, Tennessee

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 37363.

71
Area Score
Top 14% of 5,298 published profiles

How we calculate this

How this area ranks
OpportunityTop 17% of 6,210 published ZIP areas72
SchoolsTop 18% of 4,422 published ZIP areas76
GrowthTop 10% of 5,428 published ZIP areas74
Housing affordabilityTop 41% of 6,685 published ZIP areas85
ClimateTop 39% of 6,789 published ZIP areas73
Physical resilience3389th of 6,709 published ZIP areas58
Access6581st of 6,791 published ZIP areas48
Economic stabilityTop 32% of 6,742 published ZIP areas69
The quick read

37363 ranks in the top 17% of published ZIP profiles for employment opportunity, with unemployment at 3.6% and median household income of $97,399.

Development activity is both elevated and accelerating — 66 housing units permitted over the past twelve months, up 200% on the prior year.

Its Area Score of 71 places 37363 in the top 14% of published ZIP profiles.

At a glance

Population
42,093
2024 ACS 5-Year
Median household income
$97,399
Top 21% nationally
Density
700/sq mi
60.1 sq mi of land
Median age
43.4
2024 ACS 5-Year
City
Collegedale
Tennessee
Metro area
Chattanooga, TN-GA
Nearest major airport
TYS
76 mi · Mc Ghee Tyson
Median home value
$376,800
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 3.6% is lower than 83% of the 6,544 measured US ZIP areas.

Employment fell 1.4% over the past year, to 193,834 employed residents.

44% of adults hold a four-year degree, higher than 83% of measured US ZIP areas.

MetricValueCompared with peersSource period
Median household income ±$9,697$97,399Top 21%2024 ACS 5-Year
Per capita income ±$3,911$48,995Top 21%2024 ACS 5-Year
Poverty rate6.0%Bottom 25%2024 ACS 5-Year
Average commute27.1 minBottom 46%2024 ACS 5-Year
Bachelor's degree or higher44.1%Top 17%2024 ACS 5-Year
Employment193,834Top 23%June 2026
Employment change (3 years)2.4%Top 21%June 2026
Employment change (year over year)-1.4%Bottom 38%June 2026
Labor force201,105Top 23%June 2026
Labor force participation63.1%Top 40%2024 ACS 5-Year
Mean annual wage$58,680Bottom 14%2025 OEWS
Median annual wage$46,700Bottom 18%2025 OEWS
Unemployment change (year over year)-0.2%Bottom 40%June 2026
Unemployment rate3.6%Bottom 17%June 2026
Median household income, successive ACS releases
202120222023202497k84k
Each point is a separate five-year estimate, most recently $97,399 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 — Chattanooga, TN-GA
OccupationPeople employedMedian annual wage
Miscellaneous Assemblers and Fabricators8,120$45,330
Fast Food and Counter Workers7,770$27,140
Laborers and Freight, Stock, and Material Movers, Hand7,730$37,830
Retail Salespersons7,020$31,460
Registered Nurses6,460$79,770
Cashiers5,530$28,440

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 Collegedale, TN, the city containing this ZIP code.

44% of students met the state standard in mathematics and 38% in reading, across the schools here that reported results.

Public schools
8
2024-25 school year
Students per teacher
Math proficiency
43.9%
Top 22% in Tennessee
Reading proficiency
37.5%
Top 25% in Tennessee
SchoolDistrictStudentsPer teacherMathReading
East Hamilton High SchoolHamilton County1,293
Ooltewah High SchoolHamilton County1,233
Ooltewah Elementary SchoolHamilton County85860%52%
Hunter Middle SchoolHamilton County74542%27%
Wolftever Creek Elementary SchoolHamilton County63225%29%
Wallace A. Smith Elementary SchoolHamilton County58964%55%
Snow Hill Elementary SchoolHamilton County58248%41%
Ooltewah Middle SchoolHamilton County54717%17%

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 $1,630 takes 20% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 3.9 times median household income here, above the historic benchmark of about three times income.

Rent as a share of income
20.1%
Below the 30% cost-burdened threshold
Home price to income
3.9×
median home value ÷ median income
Median gross rent
$1,630
2024 ACS 5-Year
Median home value
$376,800
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income3.87Top 31%2024 ACS 5-Year
Homeownership rate75.2%Bottom 41%2024 ACS 5-Year
Housing units ±80517,376Top 6%2024 ACS 5-Year
Median gross rent ±$110$1,630Top 18%2024 ACS 5-Year
Median home value ±$11,815$376,800Top 23%2024 ACS 5-Year
Rent as a share of income20.1%Top 35%2024 ACS 5-Year
Vacancy rate5.9%Bottom 27%2024 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
74/ 100
Top 10% 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 5.8 permitted units per 1,000 residents, building activity is above the median for measured US ZIP areas.

Units permitted
66
12 months ending July 2026
Per 1,000 residents
5.8
Top 26% nationally
Year over year
+200%
vs the prior twelve months
Multifamily share
24.2%
units in 5+ unit buildings

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

Weather & climate

6 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 91°F and January a low of 32°F.

Normal annual precipitation is 55.0 inches, including 3.6 inches of snow.

20°40°60°80°100°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station CHATTANOOGA LOVELL AP, 10.3 miles from this location.
Precipitation
JFMAMJJASOND5.3"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation55.0"1991-2020 Normals
Annual snowfall3.6"1991-2020 Normals
Average January low32°F1991-2020 Normals
Average July high91°F1991-2020 Normals
Comfortable months61991-2020 Normals
Seasonal temperature swing39°F1991-2020 Normals

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.

Physical risk

58 / 100
Physical resilience

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

TornadoModerate
EarthquakeElevated
LandslideModerate
Inland floodingModerate
LightningModerate
Winter weatherModerate

Low or minimal exposure: strong wind, ice storm, cold wave, hail, heat wave, wildfire, hurricane, drought.

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.

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.

Crime
The FBI’s Crime Data Explorer is the only source 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. Reported crime is also easy to misread: agency participation varies year to year, and a city that draws a large daytime workforce carries incidents its residents did not generate.
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

1 major airport lies within 100 miles, the nearest 76 miles away.

AirportCodeDistanceLongest runway
Mc Ghee TysonTYS76 mi10,000 ft
SmyrnaMQY103 mi8,038 ft
Huntsville Intl-Carl T Jones FldHSV103 mi10,001 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
71
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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)
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

Profile recalculated August 29, 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.

37363 vs Collegedale

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

37363
Collegedale
Median household income
$97,399
vs
$70,246
Per capita income
$48,995
vs
$37,819
Population density
700/sq mi
vs
908/sq mi
Median home value
$376,800
vs
$365,100
Median gross rent
$1,630
vs
$1,581
Homeownership rate
75.2%
vs
44.0%
Bachelor's degree or higher
44.1%
vs
50.7%
Poverty rate
6.0%
vs
7.3%
Median age
43.4
vs
36.4

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.