37086La Vergne, Tennessee

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 37086.

66out of 100
Area Score
Top 29% of 5,298 published profiles

How we calculate this

How this area ranks
OpportunityTop 18% of 6,210 published ZIP areas72
Schools3575th of 4,422 published ZIP areas27
GrowthTop 2% of 5,428 published ZIP areas86
Housing affordability4449th of 6,685 published ZIP areas69
ClimateTop 49% of 6,789 published ZIP areas71
Physical resilienceTop 49% of 6,709 published ZIP areas59
AccessTop 32% of 6,791 published ZIP areas97
Economic stabilityTop 44% of 6,742 published ZIP areas63
The quick read

37086 ranks in the top 18% of published ZIP profiles for employment opportunity, with unemployment at 3.1% and median household income of $78,857.

Development activity is both elevated and accelerating — 423 housing units permitted over the past twelve months, up 78% on the prior year.

A major airport is 2 miles away, giving the area unusually direct access to the national air network.

At a glance

Population
38,872
2024 ACS 5-Year
Median household income
$78,857
Top 39% nationally
Density
1,569/sq mi
24.8 sq mi of land
Median age
33.4
2024 ACS 5-Year
City
La Vergne
Tennessee
Metro area
Nashville-Davidson--Murfreesboro--Franklin, TN
Nearest major airport
MQY
2 mi · Smyrna
Median home value
$303,200
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 3.1% is lower than 95% of the 6,544 measured US ZIP areas.

Employment fell 0.4% over the past year, to 22,629 employed residents.

MetricValueCompared with peersSource period
Median household income ±$6,738$78,857Top 39%2024 ACS 5-Year
Per capita income ±$2,714$31,469Bottom 32%2024 ACS 5-Year
Poverty rate15.6%Top 30%2024 ACS 5-Year
Average commute34.8 minTop 18%2024 ACS 5-Year
Bachelor's degree or higher22.4%Bottom 48%2024 ACS 5-Year
Employment22,629Bottom 22%June 2026
Employment change (3 years)2.3%Top 21%June 2026
Employment change (year over year)-0.4%Top 39%June 2026
Labor force23,343Bottom 22%June 2026
Labor force participation72.7%Top 9%2024 ACS 5-Year
Mean annual wage$66,390Bottom 43%2025 OEWS
Median annual wage$50,390Bottom 49%2025 OEWS
Unemployment change (year over year)-0.3%Bottom 31%June 2026
Unemployment rate3.1%Bottom 5%June 2026
Median household income, successive ACS releases
202120222023202479k65k
Each point is a separate five-year estimate, most recently $78,857 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 — Nashville-Davidson--Murfreesboro--Franklin, TN
OccupationPeople employedMedian annual wage
Laborers and Freight, Stock, and Material Movers, Hand33,120$39,790
Fast Food and Counter Workers28,680$29,150
Retail Salespersons28,580$34,420
Registered Nurses25,100$84,040
General and Operations Managers23,820$119,990
Customer Service Representatives20,770$45,510

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 La Vergne, TN, the city containing this ZIP code.

27% of students met the state standard in mathematics and 23% in reading, across the schools here that reported results.

Public schools
5
2024-25 school year
Students per teacher
Math proficiency
26.7%
Bottom 31% in Tennessee
Reading proficiency
22.6%
Bottom 22% in Tennessee
SchoolDistrictStudentsPer teacherMathReading
Lavergne High SchoolRutherford County2,116
Rock Springs ElementaryRutherford County1,19339%35%
LaVergne Middle SchoolRutherford County1,11720%15%
LaVergne Lake Elementary SchoolRutherford County1,02524%21%
Roy L Waldron ElementaryRutherford County83222%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 $1,811 takes 28% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 3.8 times median household income here, above the historic benchmark of about three times income.

Rent as a share of income
27.6%
Below the 30% cost-burdened threshold
Home price to income
3.8×
median home value ÷ median income
Median gross rent
$1,811
2024 ACS 5-Year
Median home value
$303,200
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income3.84Top 31%2024 ACS 5-Year
Homeownership rate73.4%Bottom 36%2024 ACS 5-Year
Housing units ±55713,561Top 10%2024 ACS 5-Year
Median gross rent ±$139$1,811Top 12%2024 ACS 5-Year
Median home value ±$14,697$303,200Top 33%2024 ACS 5-Year
Rent as a share of income27.6%Top 9%2024 ACS 5-Year
Vacancy rate5.0%Bottom 22%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
86/ 100
Top 2% 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 10.5 permitted units per 1,000 residents, building activity is above the median for measured US ZIP areas.

Units permitted
423
12 months ending July 2026
Per 1,000 residents
10.5
Top 11% nationally
Year over year
+78%
vs the prior twelve months
Multifamily share
22.7%
units in 5+ unit buildings

The Building Permits Survey is not published for ZIP areas. This is the figure for La Vergne, 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 30°F.

Normal annual precipitation is 50.5 inches, including 4.7 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 NASHVILLE INTL AP, 9.9 miles from this location.
Precipitation
JFMAMJJASOND5.0"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation50.5"1991-2020 Normals
Annual snowfall4.7"1991-2020 Normals
Average January low30°F1991-2020 Normals
Average July high91°F1991-2020 Normals
Comfortable months61991-2020 Normals
Seasonal temperature swing41°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

59 / 100
Physical resilience

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

EarthquakeElevated
Inland floodingModerate
LightningModerate

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

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.

Rutherford County records 4.1 homicide deaths per 100,000 residents a year, near the middle of counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 11.2 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 19.9 per 100,000 residents in Rutherford County.

Homicide
4.1
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
11.2
per 100,000 residents · under 10 deaths
Drug overdose
19.9
per 100,000 residents · under 10 deaths
Suicide
11.2
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 Rutherford 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 37086 rather than 37086 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 2 miles away.

AirportCodeDistanceLongest runway
SmyrnaMQY2 mi8,038 ft
Nashville IntlBNA10 mi11,030 ft
Huntsville Intl-Carl T Jones FldHSV96 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
66
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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

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.

37086 vs La Vergne

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

37086
La Vergne
Median household income
$78,857
vs
$81,313
Per capita income
$31,469
vs
$32,391
Population density
1,569/sq mi
vs
1,628/sq mi
Median home value
$303,200
vs
$309,900
Median gross rent
$1,811
vs
$1,805
Homeownership rate
73.4%
vs
74.0%
Bachelor's degree or higher
22.4%
vs
23.7%
Poverty rate
15.6%
vs
15.1%
Median age
33.4
vs
33.6

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.