37160Shelbyville, Tennessee

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 37160.

56out of 100
Area Score
Bottom 37% of 5,298 profiles measured

How we calculate this

How this area ranks
Opportunity3781st of 6,210 ZIP areas measured50
Schools3523rd of 4,422 ZIP areas measured28
GrowthTop 17% of 5,428 ZIP areas measured69
Housing affordabilityTop 47% of 6,685 ZIP areas measured82
ClimateTop 29% of 6,789 ZIP areas measured75
Physical resilience4700th of 6,709 ZIP areas measured37
Access5430th of 6,791 ZIP areas measured79
Economic stability3799th of 6,742 ZIP areas measured56
The quick read

Unemployment is 3.5% and median household income $64,800, putting employment conditions in the middle range of published ZIP profiles.

198 housing units were authorized over the past twelve months, within 11% of the prior year — steady rather than turning.

Physical-risk exposure is above the national median, driven mainly by inland flooding, tornado and earthquake.

At a glance

Population
38,148
2024 ACS 5-Year
Median household income
$64,800
Bottom 39% nationally
Density
164/sq mi
233.3 sq mi of land
Median age
35.6
2024 ACS 5-Year
City
Shelbyville
Tennessee
Metro area
Shelbyville, TN
Nearest major airport
MQY
38 mi · Smyrna
Median home value
$277,700
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 3.5% is lower than 86% of the 6,544 measured US ZIP areas.

Employment fell 1.9% over the past year, to 11,859 employed residents.

MetricValueCompared nationallySource period
Median household income ±$3,819$64,800Bottom 39%of 31,2952024 ACS 5-Year
Per capita income ±$1,771$30,785Bottom 29%of 32,8222024 ACS 5-Year
Poverty rate14.9%Top 32%of 32,9702024 ACS 5-Year
Average commute30.5 minTop 35%of 32,8872024 ACS 5-Year
Bachelor's degree or higher16.0%Bottom 28%of 33,1932024 ACS 5-Year
Employment11,859Bottom 4%of 6,544June 2026
Employment change (3 years)0.1%Top 48%of 6,542June 2026
Employment change (year over year)-1.9%Bottom 21%of 6,544June 2026
Labor force12,294Bottom 4%of 6,544June 2026
Labor force participation64.0%Top 37%of 33,2522024 ACS 5-Year
Unemployment change (year over year)-0.7%Bottom 11%of 6,544June 2026
Unemployment rate3.5%Bottom 14%of 6,544June 2026
Median household income, successive ACS releases
202120222023202465k53k
Each point is a separate five-year estimate, most recently $64,800 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.

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

28% of students met the state standard in mathematics and 22% in reading, across the schools here that reported results.

Public schools
8
2024-25 school year
Students per teacher
Math proficiency
27.5%
Bottom 34% in Tennessee
Reading proficiency
22.1%
Bottom 21% in Tennessee
SchoolDistrictStudentsPer teacherMathReading
Shelbyville Central High SchoolBedford County1,604
Harris Middle SchoolBedford County97722%12%
Learning Way ElementaryBedford County63811%12%
Liberty ElementaryBedford County63139%25%
Thomas Magnet SchoolBedford County43675%71%
Eakin ElementaryBedford County39911%9%
South Side ElementaryBedford County35224%20%
East Side ElementaryBedford County32314%20%

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 $1,053 takes 20% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 4.3 times median household income here, above the historic benchmark of about three times income.

Rent as a share of income
19.5%
Below the 30% cost-burdened threshold
Home price to income
4.3×
median home value ÷ median income
Median gross rent
$1,053
2024 ACS 5-Year
Median home value
$277,700
2024 ACS 5-Year
MetricValueCompared nationallySource period
Home price to income4.29Top 24%of 30,4042024 ACS 5-Year
Homeownership rate65.4%Bottom 22%of 32,9102024 ACS 5-Year
Housing units ±45914,749Top 8%of 33,7722024 ACS 5-Year
Median gross rent ±$85$1,053Top 47%of 26,6182024 ACS 5-Year
Median home value ±$11,482$277,700Top 37%of 30,9412024 ACS 5-Year
Rent as a share of income19.5%Top 38%of 26,4702024 ACS 5-Year
Vacancy rate3.5%Bottom 14%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
69/ 100
Top 17% 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.

New construction is predominantly single-family: only 0% of permitted units are in buildings of five or more homes.

At 8.0 permitted units per 1,000 residents, building activity is above the median for measured US ZIP areas.

Units permitted
198
12 months ending July 2026
Per 1,000 residents
8.0
Top 17% nationally
Year over year
+11%
vs the prior twelve months
Multifamily share
0.0%
units in 5+ unit buildings

The Building Permits Survey is not published for ZIP areas. This is the figure for Shelbyville, 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 29°F.

Normal annual precipitation is 59.4 inches, including 1.1 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 SHELBYVILLE WATER DEPT, 2.6 miles from this location.
Precipitation
JFMAMJJASOND6.0"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation59.4"1991-2020 Normals
Annual snowfall1.1"1991-2020 Normals
Average January low29°F1991-2020 Normals
Average July high89°F1991-2020 Normals
Comfortable months71991-2020 Normals
Seasonal temperature swing40°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

37 / 100
Physical resilience

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

TornadoModerate
EarthquakeElevated
Inland floodingElevated
Strong windModerate
HailModerate
LightningModerate
Heat waveModerate

Low or minimal exposure: cold wave, winter weather, ice storm, drought, hurricane, landslide, 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.

Bedford County records 5.7 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 14.6 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 24.5 per 100,000 residents in Bedford County.

Homicide
5.7
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
14.6
per 100,000 residents · under 10 deaths
Drug overdose
24.5
per 100,000 residents · under 10 deaths
Suicide
16.1
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 Bedford 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 37160 rather than 37160 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 and full cost of living
No public source publishes either with national coverage and a method open enough to check. 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. 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 38 miles away.

AirportCodeDistanceLongest runway
SmyrnaMQY38 mi8,038 ft
Nashville IntlBNA47 mi11,030 ft
Huntsville Intl-Carl T Jones FldHSV59 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
56
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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
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.

37160 vs Shelbyville

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

37160
Shelbyville
Median household income
$64,800
vs
$55,073
Per capita income
$30,785
vs
$25,611
Population density
164/sq mi
vs
1,277/sq mi
Median home value
$277,700
vs
$244,000
Median gross rent
$1,053
vs
$1,056
Homeownership rate
65.4%
vs
50.7%
Bachelor's degree or higher
16.0%
vs
13.1%
Poverty rate
14.9%
vs
20.7%
Median age
35.6
vs
31.8

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.