37020 ZIP Code — Bell Buckle, TN

Bedford County, Tennessee

ZIP code 37020 is located in Bell Buckle, Tennessee, within Bedford County. It covers approximately 91.91 square miles and serves a population of 4,993 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 931/615/629.

About ZIP code 37020

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $245,900. Owner-occupancy is high at 93%, well above the national average.

Median household income is $73,654. The poverty rate of 6% is below the national average. 34% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with manufacturing as the leading industry. The average commute of 33 minutes is near the national average.

Educational attainment is near the national average, with 26% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (20%) compared to national benchmarks.

Overall, ZIP code 37020 reflects a community defined by high homeownership and a significant Social Security-dependent population.

4,993

population

91.91

sq mi land

Standard

ZIP type

Central (CT)

timezone

37020 ZIP code map

Cities in ZIP code 37020

Below are the cities the US Postal Service accepts for ZIP code 37020. Using any city not on this list may result in mail delivery delays.

City	Status
Bell Buckle	Preferred

Nearby ZIP codes

37037 Christiana (4.4 mi) 37127 Murfreesboro (10.3 mi) 37180 Unionville (10.4 mi) 37183 Wartrace (10.7 mi) 37161 Shelbyville (11.2 mi) 37160 Shelbyville (11.5 mi) 37018 Beechgrove (11.5 mi) 37128 Murfreesboro (12.4 mi) 37153 Rockvale (12.4 mi) 37131 Murfreesboro (14.5 mi) 37132 Murfreesboro (14.8 mi) 37060 Eagleville (15.3 mi)

Demographics updated 05/2026

Population
Total population	4,993
Population density	54 / sq mi
State FIPS	47
County FIPS	003

Geography
Land area	91.91 sq mi
Water area	0.01 sq mi
Latitude	35.6367
Longitude	-86.3977
Timezone	Central (CT)
Area code	931/615/629

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	33.8%	45.0%	45.7%
$50k – $100k	47.8%	35.5%	30.9%
$100k – $200k	15.3%	16.2%	18.3%
Over $200k	3.0%	3.2%	5.1%

Demographics & statistics

4,993

Population

People per sq mi

38.9

Median age

$73,654

Median household income

$32,454

Per capita income

$245,900

Median home value

$1,345

Median monthly rent

92.6%

Home ownership

5.6%

Poverty rate

3.3%

Unemployment

1,821

Housing units

26.2%

Bachelor's or higher

Age distribution

Male Female

159

Under 5

174

170

5–9

188

160

10–14

176

15–19

157

20–24

172

282

25–34

311

357

35–44

393

394

45–54

434

102

55–59

113

204

60–64

225

172

65–74

190

128

75–84

140

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,105	22.1%
18 and over	3,888	77.9%
65 and over	637	12.8%
Median age	38.9 years

Race & ethnicity

White 85.2%

Black or African American 4.3%

Asian 3.3%

Hispanic or Latino 2.9%

Two or more races 2.4%

Other race 1.4%

American Indian / Alaska Native 0.5%

Group	Count	%
White	4,381	85.2%
Black or African American	222	4.3%
Asian	169	3.3%
Hispanic or Latino	150	2.9%
Two or more races	123	2.4%
Other race	74	1.4%
American Indian / Alaska Native	24	0.5%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	33.8%	45.0%	45.7%
$50k – $100k	47.8%	35.5%	30.9%
$100k – $200k	15.3%	16.2%	18.3%
Over $200k	3.0%	3.2%	5.1%

Under $10k 4.1%

$10k–$15k 0.2%

$15k–$25k 7.5%

$25k–$35k 4.0%

$35k–$50k 8.7%

$50k–$75k 25.9%

$75k–$100k 21.2%

$100k–$150k 17.4%

$150k–$200k 9.3%

$200k+ 1.9%

Range	% of households
Under $10k	4.1%
$10k–$15k	0.2%
$15k–$25k	7.5%
$25k–$35k	4.0%
$35k–$50k	8.7%
$50k–$75k	25.9%
$75k–$100k	21.2%
$100k–$150k	17.4%
$150k–$200k	9.3%
$200k+	1.9%
Median income	$73,654

Housing

Home values

Under $50k 1.3%

$50k–$100k 8.6%

$100k–$150k 5.5%

$150k–$200k 11.5%

$200k–$300k 30.3%

$300k–$500k 23.5%

$500k–$1M 16.9%

$1M+ 2.5%

Housing overview

Metric	Value
Median home value	$245,900
Median rent / month	$1,345
Owner occupied	92.6%
Renter occupied	7.4%
Vacant	3.6%
Single-family detached	94.2%
Large apartment buildings	0.0%
Mobile homes	5.7%
Median rooms	6.1
Avg household size (owned)	2.60

Year built

Era	%
2020 or later	0.6%
2010–2019	6.5%
2000–2009	36.3%
1990–1999	12.7%
1980–1989	14.8%
1970–1979	8.2%
1960–1969	4.4%
1950–1959	5.3%
1940–1949	0.9%
1939 or earlier	10.4%

Bedrooms

Size	% of units
No bedroom (studio)	0.4%
1 bedroom	0.9%
2 bedrooms	10.9%
3 bedrooms	70.2%
4 bedrooms	13.0%
5+ bedrooms	4.7%

Vehicles per household

Vehicles	% of households
No vehicle	0.1%
1 vehicle	16.9%
2 vehicles	47.5%
3 or more	35.6%

Heating fuel

Fuel type	%
Utility gas	11.5%
Electricity	69.9%
Propane / LP gas	12.5%
Fuel oil	0.1%
Wood	3.8%
No fuel used	2.2%

Households & families

Household type	Count	%
Married-couple family	997	52.8%
Cohabiting couple	156	8.3%
Male householder, no spouse	377	19.9%
Female householder, no spouse	360	19.0%
Households with children under 18	621	32.9%
Households with seniors (65+)	479	25.3%
Average household size	2.59

Marital status

Status	Male	Female
Never married	25.7%	18.2%
Married	55.4%	59.3%
Separated	0.4%	1.1%
Widowed	1.8%	9.0%
Divorced	16.7%	12.4%

Education

Less than 9th grade 2.7%

Some HS, no diploma 5.6%

HS graduate 28.5%

Some college, no degree 29.3%

Associate's degree 7.7%

Bachelor's degree 18.5%

Graduate / professional 7.7%

Metric	%
HS diploma or higher	91.7%
Bachelor's or higher	26.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	96	8.9%
Kindergarten	59	5.5%
Elementary school	531	49.1%
High school	183	16.9%
College / grad school	213	19.7%

Employment

Industry of employment

Manufacturing 21.2%

Education & healthcare 17.0%

Arts, food & hospitality 11.9%

Construction 11.1%

Retail trade 10.6%

Professional & management 7.5%

Transportation & utilities 7.1%

Finance & real estate 4.9%

Other services 2.9%

Wholesale trade 1.6%

Information 1.5%

Agriculture & mining 1.4%

Public administration 1.4%

Occupation

Category	%
Management, business & arts	38.0%
Service	12.2%
Sales & office	17.0%
Natural resources & construction	13.6%
Production & transportation	19.3%

Employment type

Type	%
Private sector	79.2%
Government	12.0%
Self-employed	8.5%
Unpaid family workers	0.4%

Commute

Method	%
Drive alone	78.1%
Carpool	8.3%
Public transit	0.0%
Walk	2.0%
Work from home	10.4%
Other means	1.2%
Avg commute (minutes)	32.5

Poverty

All people 5.6%

Under 18 years 5.4%

18 and over 5.6%

Married-couple families 0.0%

Female-led households 14.3%

Income support

Source	% of households
Social Security	33.7%
Retirement income	24.8%
Supplemental Security	0.2%
Cash public assistance	2.3%
Food stamps / SNAP	4.1%

Health indicators

Condition	%
Obesity	35.2%
High blood pressure	33.3%
High cholesterol	31.6%
Diabetes	9.9%
Heart disease	5.8%
Stroke	2.6%
Asthma	9.7%
Arthritis	25.8%
Kidney disease	2.4%
Pulmonary disease	7.0%
Cancer	6.0%

Behavior / access	%
Smoking	20.4%
Binge drinking	15.7%
No physical activity	22.1%
Less than 7 hrs sleep	34.2%
Depression	26.1%
Fair or poor health	13.4%
Poor mental health	16.2%
Poor physical health	9.8%
No health insurance	14.9%
Visited doctor (checkup)	74.3%
Visited dentist	60.1%
Cholesterol screening	90.1%
Teeth loss	14.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	375	9.6%

Disability	%
Any disability	11.9%
Under 18	3.7%
18–64 years	11.7%
65 and over	27.2%

Health insurance coverage

Type	%
Private insurance	73.5%
Public insurance	32.1%
No insurance	5.5%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,660	93.3%
Spanish	74	1.6%
Other Indo-European	50	1.1%
Asian & Pacific Islander	4	0.1%
Other languages	20	0.4%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,804	96.2%
Born in same state	4,786	95.9%
Born in different state	2,815	56.4%
Foreign born	18	0.4%
Naturalized citizen	189	3.8%
Not a US citizen	118	62.4%

Ancestry

Ancestry	Count	%
Arab	734	14.7%
French	625	12.5%
Italian	529	10.6%
English	32	0.6%

Ancestry	Count	%
Polish	22	0.4%
Dutch	7	0.1%
Norwegian	6	0.1%

Technology access

Metric	% of households
Computer access	37.9%
Internet access	94.9%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 37020

What city is ZIP code 37020 in?

ZIP code 37020 is primarily assigned to Bell Buckle, Tennessee.

What county is ZIP code 37020 in?

ZIP code 37020 falls within Bedford County, Tennessee.

Is ZIP code 37020 mostly owner-occupied?

93% of occupied units in ZIP code 37020 are owner-occupied, well above the national average.

Does ZIP code 37020 have a large veteran population?

10% of civilians in ZIP code 37020 are veterans, above the national average of ~7%.

What is the population of ZIP code 37020?

ZIP code 37020 has an estimated population of 4,993 residents, with a density of 54 people per square mile.

What is the median household income in ZIP code 37020?

The median household income in ZIP code 37020 is $73,654, below the national median of ~$75,000.

What timezone is ZIP code 37020 in?

ZIP code 37020 observes the CST timezone.