37365 ZIP Code — Palmer, TN

Grundy County, Tennessee

ZIP code 37365 is located in Palmer, Tennessee, within Grundy County. It covers approximately 56.41 square miles and serves a population of 1,902 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 931.

About ZIP code 37365

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $97,800. Owner-occupancy is high at 92%, well above the national average.

Median household income is $49,737. Poverty affects 23% of residents, above the national average. SNAP benefit usage at 28% of households reflects economic stress in the area. 45% 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. An above-average commute of 36 minutes suggests many residents work outside the immediate area.

College attainment at 9% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of diabetes (15%), smoking (30%) compared to national benchmarks.

Notable community characteristics include disability rates above the national average at 32%.

Overall, ZIP code 37365 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, high homeownership, a significant Social Security-dependent population, and elevated reliance on food assistance.

1,902

population

56.41

sq mi land

Standard

ZIP type

Central (CT)

timezone

37365 ZIP code map

Cities in ZIP code 37365

Below are the cities the US Postal Service accepts for ZIP code 37365. Using any city not on this list may result in mail delivery delays.

City	Status
Palmer	Preferred

Nearby ZIP codes

37313 Coalmont (4.5 mi) 37339 Gruetli Laager (7.5 mi) 37305 Beersheba Springs (7.7 mi) 37327 Dunlap (9.3 mi) 37387 Tracy City (10.5 mi) 37301 Altamont (12.4 mi) 37397 Whitwell (15 mi) 37374 Sequatchie (15.8 mi) 37366 Pelham (16 mi) 37356 Monteagle (17.3 mi) 37377 Signal Mountain (19.6 mi)

Demographics updated 05/2026

Population
Total population	1,902
Population density	34 / sq mi
State FIPS	47
County FIPS	061

Geography
Land area	56.41 sq mi
Water area	0.03 sq mi
Latitude	35.3836
Longitude	-85.5781
Timezone	Central (CT)
Area code	931

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	64.7%	57.2%	45.7%
$50k – $100k	23.7%	30.0%	30.9%
$100k – $200k	11.6%	11.3%	18.3%
Over $200k	0.0%	1.5%	5.1%

Demographics & statistics

1,902

Population

People per sq mi

46.2

Median age

$49,737

Median household income

$18,955

Per capita income

$97,800

Median home value

$522

Median monthly rent

92.4%

Home ownership

22.6%

Poverty rate

4.9%

Unemployment

664

Housing units

8.9%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

241

45–54

232

55–59

60–64

101

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	384	20.2%
18 and over	1,518	79.8%
65 and over	324	17.0%
Median age	46.2 years

Race & ethnicity

White 96.7%

Two or more races 3%

Hispanic or Latino 0.1%

American Indian / Alaska Native 0.1%

Group	Count	%
White	1,842	96.7%
Two or more races	58	3%
Hispanic or Latino	2	0.1%
American Indian / Alaska Native	2	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	64.7%	57.2%	45.7%
$50k – $100k	23.7%	30.0%	30.9%
$100k – $200k	11.6%	11.3%	18.3%
Over $200k	0.0%	1.5%	5.1%

Under $10k 10.9%

$10k–$15k 6.1%

$15k–$25k 15.0%

$25k–$35k 5.3%

$35k–$50k 13.0%

$50k–$75k 26.2%

$75k–$100k 5.0%

$100k–$150k 16.5%

$150k–$200k 1.7%

$200k+ 0.3%

Range	% of households
Under $10k	10.9%
$10k–$15k	6.1%
$15k–$25k	15.0%
$25k–$35k	5.3%
$35k–$50k	13.0%
$50k–$75k	26.2%
$75k–$100k	5.0%
$100k–$150k	16.5%
$150k–$200k	1.7%
$200k+	0.3%
Median income	$49,737

Housing

Home values

Under $50k 32.5%

$50k–$100k 19.5%

$100k–$150k 7.7%

$150k–$200k 29.5%

$200k–$300k 8.6%

$300k–$500k 0.4%

$500k–$1M 2.0%

Housing overview

Metric	Value
Median home value	$97,800
Median rent / month	$522
Owner occupied	92.4%
Renter occupied	7.6%
Vacant	14.6%
Single-family detached	68.3%
Large apartment buildings	0.0%
Mobile homes	29.9%
Median rooms	5.3
Avg household size (owned)	3.08

Year built

Era	%
2020 or later	0.0%
2010–2019	4.1%
2000–2009	19.6%
1990–1999	12.8%
1980–1989	17.5%
1970–1979	23.2%
1960–1969	6.5%
1950–1959	10.0%
1940–1949	2.8%
1939 or earlier	3.5%

Bedrooms

Size	% of units
No bedroom (studio)	2.1%
1 bedroom	1.7%
2 bedrooms	43.0%
3 bedrooms	39.7%
4 bedrooms	4.5%
5+ bedrooms	9.0%

Vehicles per household

Vehicles	% of households
No vehicle	4.0%
1 vehicle	25.4%
2 vehicles	36.8%
3 or more	33.8%

Heating fuel

Fuel type	%
Utility gas	0.8%
Electricity	63.4%
Propane / LP gas	18.2%
Fuel oil	2.0%
Wood	15.7%

Households & families

Household type	Count	%
Married-couple family	286	47.2%
Cohabiting couple	118	19.5%
Male householder, no spouse	80	13.2%
Female householder, no spouse	122	20.1%
Households with children under 18	176	29.0%
Households with seniors (65+)	224	37.0%
Average household size	3.14

Marital status

Status	Male	Female
Never married	37.4%	27.5%
Married	39.1%	43.7%
Separated	8.6%	0.8%
Widowed	2.3%	12.0%
Divorced	12.7%	15.9%

Education

Less than 9th grade 11.0%

Some HS, no diploma 11.9%

HS graduate 41.0%

Some college, no degree 20.7%

Associate's degree 6.4%

Bachelor's degree 5.2%

Graduate / professional 3.7%

Metric	%
HS diploma or higher	77.1%
Bachelor's or higher	8.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	23	6.1%
Kindergarten	4	1.1%
Elementary school	133	35.6%
High school	108	28.9%
College / grad school	106	28.3%

Employment

Industry of employment

Manufacturing 25.7%

Education & healthcare 24.2%

Transportation & utilities 17.8%

Construction 9.0%

Retail trade 7.0%

Public administration 4.2%

Arts, food & hospitality 3.6%

Finance & real estate 3.0%

Professional & management 2.2%

Information 1.6%

Other services 1.4%

Wholesale trade 0.3%

Occupation

Category	%
Management, business & arts	35.2%
Service	15.6%
Sales & office	11.3%
Natural resources & construction	8.6%
Production & transportation	29.3%

Employment type

Type	%
Private sector	66.7%
Government	28.4%
Self-employed	4.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	90.8%
Carpool	5.3%
Public transit	0.0%
Walk	2.4%
Work from home	0.4%
Other means	1.0%
Avg commute (minutes)	36.1

Poverty

All people 22.6%

Under 18 years 28.4%

18 and over 21.1%

Married-couple families 11.2%

Female-led households 8.7%

Income support

Source	% of households
Social Security	44.6%
Retirement income	21.5%
Supplemental Security	11.1%
Cash public assistance	1.7%
Food stamps / SNAP	27.7%

Health indicators

Condition	%
Obesity	39.6%
High blood pressure	42.4%
High cholesterol	38.5%
Diabetes	15.3%
Heart disease	9.4%
Stroke	4.6%
Asthma	11.5%
Arthritis	35.1%
Kidney disease	3.9%
Pulmonary disease	13.4%
Cancer	7.3%

Behavior / access	%
Smoking	30.0%
Binge drinking	13.4%
No physical activity	31.4%
Less than 7 hrs sleep	36.2%
Depression	28.8%
Fair or poor health	23.6%
Poor mental health	18.9%
Poor physical health	15.9%
No health insurance	19.9%
Visited doctor (checkup)	75.3%
Visited dentist	48.0%
Cholesterol screening	88.8%
Teeth loss	24.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	43	2.8%

Disability	%
Any disability	32.0%
Under 18	7.6%
18–64 years	32.0%
65 and over	61.1%

Health insurance coverage

Type	%
Private insurance	54.5%
Public insurance	41.5%
No insurance	11.7%
Uninsured under 19	2.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,767	92.9%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,902	100.0%
Born in same state	1,892	99.5%
Born in different state	1,544	81.2%
Foreign born	10	0.5%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Arab	312	16.4%
Italian	282	14.8%

Ancestry	Count	%
French	128	6.7%
English	2	0.1%

Technology access

Metric	% of households
Computer access	31.9%
Internet access	84.0%

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

Frequently asked questions about ZIP code 37365

What city is ZIP code 37365 in?

ZIP code 37365 is primarily assigned to Palmer, Tennessee.

What county is ZIP code 37365 in?

ZIP code 37365 falls within Grundy County, Tennessee.

Is ZIP code 37365 mostly owner-occupied?

92% of occupied units in ZIP code 37365 are owner-occupied, well above the national average.

How educated is the population of ZIP code 37365?

9% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What is the poverty rate in ZIP code 37365?

23% of residents in ZIP code 37365 live below the poverty line, above the national average.

Does ZIP code 37365 have a large retiree population?

45% of households in ZIP code 37365 receive Social Security income, suggesting a significant retiree or disability population.

What timezone is ZIP code 37365 in?

ZIP code 37365 observes the CST timezone.