37095 ZIP Code — Liberty, TN

Dekalb County, Tennessee

ZIP code 37095 is located in Liberty, Tennessee, within Dekalb County. It covers approximately 77.26 square miles and serves a population of 2,279 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 615/931.

About ZIP code 37095

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $170,200. Owner-occupancy sits near the national average at 71%.

Median household income is $57,738. Poverty affects 24% of residents, above the national average. 32% 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 32 minutes is near the national average.

Educational attainment is near the national average, with 29% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (25%) compared to national benchmarks.

Overall, ZIP code 37095 reflects a community defined by economic challenges above the national average and a significant Social Security-dependent population.

2,279

population

77.26

sq mi land

Standard

ZIP type

Central (CT)

timezone

37095 ZIP code map

Cities in ZIP code 37095

Below are the cities the US Postal Service accepts for ZIP code 37095. Using any city not on this list may result in mail delivery delays.

City	Status
Liberty	Acceptable
Liberty	Preferred

Nearby ZIP codes

37059 Dowelltown (1.9 mi) 37012 Alexandria (7.1 mi) 37166 Smithville (8.8 mi) 37016 Auburntown (9.9 mi) 38567 Hickman (10.9 mi) 37190 Woodbury (11.1 mi) 38582 Silver Point (13.2 mi) 38547 Brush Creek (13.7 mi) 37118 Milton (13.7 mi) 37184 Watertown (14.1 mi) 38548 Buffalo Valley (15.9 mi) 38563 Gordonsville (16.4 mi)

Demographics updated 05/2026

Population
Total population	2,279
Population density	29 / sq mi
State FIPS	47
County FIPS	041

Geography
Land area	77.26 sq mi
Water area	1.82 sq mi
Latitude	35.9739
Longitude	-85.9382
Timezone	Central (CT)
Area code	615/931

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	55.6%	54.6%	45.7%
$50k – $100k	25.8%	29.3%	30.9%
$100k – $200k	17.7%	13.8%	18.3%
Over $200k	0.8%	2.2%	5.1%

Demographics & statistics

2,279

Population

People per sq mi

42.0

Median age

$57,738

Median household income

$29,162

Per capita income

$170,200

Median home value

$924

Median monthly rent

71.4%

Home ownership

24.0%

Poverty rate

1.7%

Unemployment

844

Housing units

29.1%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

133

25–34

128

191

35–44

183

45–54

100

55–59

155

60–64

149

136

65–74

130

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	458	20.1%
18 and over	1,821	79.9%
65 and over	384	16.8%
Median age	42.0 years

Race & ethnicity

White 94.7%

Two or more races 2.1%

Black or African American 1.7%

Asian 1.4%

Hispanic or Latino 0.2%

Group	Count	%
White	2,161	94.7%
Two or more races	47	2.1%
Black or African American	38	1.7%
Asian	32	1.4%
Hispanic or Latino	4	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	55.6%	54.6%	45.7%
$50k – $100k	25.8%	29.3%	30.9%
$100k – $200k	17.7%	13.8%	18.3%
Over $200k	0.8%	2.2%	5.1%

Under $10k 15.0%

$10k–$15k 2.1%

$15k–$25k 14.3%

$25k–$35k 1.1%

$35k–$50k 14.2%

$50k–$75k 12.4%

$75k–$100k 9.7%

$100k–$150k 14.1%

$150k–$200k 14.2%

$200k+ 3.0%

Range	% of households
Under $10k	15.0%
$10k–$15k	2.1%
$15k–$25k	14.3%
$25k–$35k	1.1%
$35k–$50k	14.2%
$50k–$75k	12.4%
$75k–$100k	9.7%
$100k–$150k	14.1%
$150k–$200k	14.2%
$200k+	3.0%
Median income	$57,738

Housing

Home values

Under $50k 3.1%

$50k–$100k 9.7%

$100k–$150k 21.3%

$150k–$200k 24.9%

$200k–$300k 18.2%

$300k–$500k 17.8%

$500k–$1M 2.8%

$1M+ 2.1%

Housing overview

Metric	Value
Median home value	$170,200
Median rent / month	$924
Owner occupied	71.4%
Renter occupied	28.6%
Vacant	15.6%
Single-family detached	82.3%
Large apartment buildings	0.0%
Mobile homes	15.3%
Median rooms	5.7
Avg household size (owned)	2.37

Year built

Era	%
2020 or later	0.0%
2010–2019	5.8%
2000–2009	21.0%
1990–1999	13.2%
1980–1989	6.9%
1970–1979	14.6%
1960–1969	1.9%
1950–1959	2.0%
1940–1949	1.2%
1939 or earlier	33.5%

Bedrooms

Size	% of units
No bedroom (studio)	5.5%
1 bedroom	1.2%
2 bedrooms	32.7%
3 bedrooms	44.1%
4 bedrooms	14.8%
5+ bedrooms	1.7%

Vehicles per household

Vehicles	% of households
No vehicle	4.7%
1 vehicle	21.6%
2 vehicles	29.0%
3 or more	44.7%

Heating fuel

Fuel type	%
Utility gas	28.1%
Electricity	56.4%
Propane / LP gas	6.0%
Wood	8.3%
Solar	1.2%

Households & families

Household type	Count	%
Married-couple family	616	65.7%
Cohabiting couple	7	0.7%
Male householder, no spouse	144	15.4%
Female householder, no spouse	171	18.2%
Households with children under 18	234	24.9%
Households with seniors (65+)	297	31.7%
Average household size	2.43

Marital status

Status	Male	Female
Never married	12.7%	11.9%
Married	67.6%	59.4%
Separated	1.9%	3.5%
Widowed	0.6%	11.3%
Divorced	17.1%	14.0%

Education

Less than 9th grade 0.9%

Some HS, no diploma 14.0%

HS graduate 37.5%

Some college, no degree 13.1%

Associate's degree 5.4%

Bachelor's degree 17.8%

Graduate / professional 11.3%

Metric	%
HS diploma or higher	85.2%
Bachelor's or higher	29.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	92	22.5%
Kindergarten	4	1.0%
Elementary school	227	55.6%
High school	42	10.3%
College / grad school	43	10.5%

Employment

Industry of employment

Manufacturing 28.2%

Arts, food & hospitality 12.1%

Education & healthcare 11.9%

Wholesale trade 9.9%

Construction 8.4%

Retail trade 5.6%

Professional & management 5.6%

Public administration 5.5%

Other services 4.5%

Transportation & utilities 4.3%

Finance & real estate 3.3%

Information 0.7%

Occupation

Category	%
Management, business & arts	34.8%
Service	9.0%
Sales & office	21.3%
Natural resources & construction	10.5%
Production & transportation	24.3%

Employment type

Type	%
Private sector	85.4%
Government	7.2%
Self-employed	6.7%
Unpaid family workers	0.7%

Commute

Method	%
Drive alone	85.6%
Carpool	4.6%
Public transit	0.0%
Walk	0.2%
Work from home	7.2%
Other means	2.5%
Avg commute (minutes)	32.3

Poverty

All people 24.0%

Under 18 years 12.2%

18 and over 26.9%

Married-couple families 16.9%

Female-led households 58.4%

Income support

Source	% of households
Social Security	32.3%
Retirement income	9.0%
Supplemental Security	9.0%
Cash public assistance	0.0%
Food stamps / SNAP	16.6%

Health indicators

Condition	%
Obesity	38.2%
High blood pressure	40.1%
High cholesterol	38.0%
Diabetes	12.7%
Heart disease	7.7%
Stroke	3.6%
Asthma	10.3%
Arthritis	31.0%
Kidney disease	3.1%
Pulmonary disease	9.9%
Cancer	7.0%

Behavior / access	%
Smoking	24.9%
Binge drinking	14.2%
No physical activity	26.4%
Less than 7 hrs sleep	34.2%
Depression	26.6%
Fair or poor health	17.9%
Poor mental health	16.9%
Poor physical health	12.6%
No health insurance	16.7%
Visited doctor (checkup)	74.5%
Visited dentist	55.3%
Cholesterol screening	90.4%
Teeth loss	17.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	88	4.8%

Disability	%
Any disability	16.8%
Under 18	3.1%
18–64 years	14.6%
65 and over	41.4%

Health insurance coverage

Type	%
Private insurance	66.6%
Public insurance	28.8%
No insurance	13.6%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,115	92.8%
Spanish	4	0.2%
Other Indo-European	2	0.1%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,251	98.8%
Born in same state	2,251	98.8%
Born in different state	1,355	59.5%
Foreign born	0	0.0%
Naturalized citizen	28	1.2%
Not a US citizen	26	92.9%

Ancestry

Ancestry	Count	%
Arab	378	16.6%
French	320	14%

Ancestry	Count	%
Italian	264	11.6%
English	24	1.1%

Technology access

Metric	% of households
Computer access	41.2%
Internet access	83.6%

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

Frequently asked questions about ZIP code 37095

What city is ZIP code 37095 in?

ZIP code 37095 is primarily assigned to Liberty, Tennessee.

What county is ZIP code 37095 in?

ZIP code 37095 falls within Dekalb County, Tennessee.

What is the poverty rate in ZIP code 37095?

24% of residents in ZIP code 37095 live below the poverty line, above the national average.

What is the typical home value in ZIP code 37095?

The median home value in ZIP code 37095 is $170,200.

What is the population of ZIP code 37095?

ZIP code 37095 has an estimated population of 2,279 residents, with a density of 29 people per square mile.

What is the median household income in ZIP code 37095?

The median household income in ZIP code 37095 is $57,738, below the national median of ~$75,000.

What timezone is ZIP code 37095 in?

ZIP code 37095 observes the CST timezone.