37184 ZIP Code — Watertown, TN

Wilson County, Tennessee

ZIP code 37184 is located in Watertown, Tennessee, within Wilson County. It covers approximately 110.36 square miles and serves a population of 6,992 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 615/629.

About ZIP code 37184

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 $231,300. Owner-occupancy is high at 82%, well above the national average.

Median household income is $67,005. Poverty affects 24% of residents, above the national average. 40% of households receive Social Security income, suggesting a notable retiree or disability population.

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

College attainment at 20% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (23%) compared to national benchmarks.

Notable community characteristics include a notable veteran presence at 11% of civilians, above the national average of 7%.

Overall, ZIP code 37184 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a strong veteran community, high homeownership, and a significant Social Security-dependent population.

6,992

population

110.36

sq mi land

Standard

ZIP type

Central (CT)

timezone

37184 ZIP code map

Cities in ZIP code 37184

Below are the cities the US Postal Service accepts for ZIP code 37184. Using any city not on this list may result in mail delivery delays.

City	Status
Watertown	Preferred

Nearby ZIP codes

37090 Lebanon (6.6 mi) 37012 Alexandria (8.6 mi) 37016 Auburntown (8.8 mi) 38547 Brush Creek (9.2 mi) 37118 Milton (10.7 mi) 38563 Gordonsville (11.6 mi) 37085 Lascassas (12.3 mi) 38567 Hickman (13.2 mi) 37095 Liberty (14.1 mi) 37087 Lebanon (15.1 mi) 37059 Dowelltown (15.9 mi) 37130 Murfreesboro (16.3 mi)

Demographics updated 05/2026

Population
Total population	6,992
Population density	63 / sq mi
State FIPS	47
County FIPS	189

Geography
Land area	110.36 sq mi
Water area	0.00 sq mi
Latitude	36.0853
Longitude	-86.1488
Timezone	Central (CT)
Area code	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	44.5%	30.1%	45.7%
$50k – $100k	34.0%	32.8%	30.9%
$100k – $200k	15.4%	28.0%	18.3%
Over $200k	6.0%	9.1%	5.1%

Demographics & statistics

6,992

Population

People per sq mi

40.6

Median age

$67,005

Median household income

$30,274

Per capita income

$231,300

Median home value

$890

Median monthly rent

82.3%

Home ownership

23.6%

Poverty rate

4.1%

Unemployment

2,403

Housing units

19.7%

Bachelor's or higher

Age distribution

Male Female

148

Under 5

144

190

5–9

184

219

10–14

213

375

15–19

365

166

20–24

162

291

25–34

283

574

35–44

559

345

45–54

336

343

55–59

334

423

60–64

411

263

65–74

256

183

75–84

178

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,408	20.1%
18 and over	5,584	79.9%
65 and over	927	13.3%
Median age	40.6 years

Race & ethnicity

White 89.3%

Black or African American 3%

Two or more races 2.5%

Hispanic or Latino 2.4%

Asian 1.4%

Other race 1.4%

American Indian / Alaska Native 0.2%

Group	Count	%
White	6,393	89.3%
Black or African American	212	3%
Two or more races	176	2.5%
Hispanic or Latino	170	2.4%
Asian	100	1.4%
Other race	100	1.4%
American Indian / Alaska Native	11	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	44.5%	30.1%	45.7%
$50k – $100k	34.0%	32.8%	30.9%
$100k – $200k	15.4%	28.0%	18.3%
Over $200k	6.0%	9.1%	5.1%

Under $10k 5.0%

$10k–$15k 12.5%

$15k–$25k 6.1%

$25k–$35k 6.9%

$35k–$50k 9.3%

$50k–$75k 16.0%

$75k–$100k 20.7%

$100k–$150k 13.7%

$150k–$200k 4.3%

$200k+ 5.5%

Range	% of households
Under $10k	5.0%
$10k–$15k	12.5%
$15k–$25k	6.1%
$25k–$35k	6.9%
$35k–$50k	9.3%
$50k–$75k	16.0%
$75k–$100k	20.7%
$100k–$150k	13.7%
$150k–$200k	4.3%
$200k+	5.5%
Median income	$67,005

Housing

Home values

Under $50k 2.8%

$50k–$100k 3.5%

$100k–$150k 7.6%

$150k–$200k 23.8%

$200k–$300k 25.4%

$300k–$500k 24.4%

$500k–$1M 6.6%

$1M+ 5.9%

Housing overview

Metric	Value
Median home value	$231,300
Median rent / month	$890
Owner occupied	82.3%
Renter occupied	17.7%
Vacant	7.7%
Single-family detached	73.4%
Large apartment buildings	0.0%
Mobile homes	24.4%
Median rooms	6.3
Avg household size (owned)	2.73

Year built

Era	%
2020 or later	3.5%
2010–2019	7.6%
2000–2009	26.5%
1990–1999	17.9%
1980–1989	11.8%
1970–1979	9.4%
1960–1969	2.5%
1950–1959	4.9%
1940–1949	3.6%
1939 or earlier	12.2%

Bedrooms

Size	% of units
No bedroom (studio)	1.7%
1 bedroom	1.4%
2 bedrooms	15.4%
3 bedrooms	66.3%
4 bedrooms	12.5%
5+ bedrooms	2.8%

Vehicles per household

Vehicles	% of households
No vehicle	1.2%
1 vehicle	24.8%
2 vehicles	31.5%
3 or more	42.5%

Heating fuel

Fuel type	%
Utility gas	18.6%
Electricity	77.6%
Propane / LP gas	2.8%
Fuel oil	0.5%
Wood	0.5%

Households & families

Household type	Count	%
Married-couple family	1,427	53.8%
Cohabiting couple	67	2.5%
Male householder, no spouse	550	20.7%
Female householder, no spouse	607	22.9%
Households with children under 18	1,128	42.5%
Households with seniors (65+)	726	27.4%
Average household size	2.64

Marital status

Status	Male	Female
Never married	30.8%	23.2%
Married	49.8%	50.9%
Separated	0.0%	1.5%
Widowed	3.4%	8.7%
Divorced	16.0%	15.7%

Education

Less than 9th grade 3.2%

Some HS, no diploma 16.9%

HS graduate 37.8%

Some college, no degree 16.1%

Associate's degree 6.3%

Bachelor's degree 16.0%

Graduate / professional 3.7%

Metric	%
HS diploma or higher	79.9%
Bachelor's or higher	19.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	68	3.6%
Kindergarten	42	2.2%
Elementary school	704	37.2%
High school	633	33.5%
College / grad school	444	23.5%

Employment

Industry of employment

Manufacturing 17.4%

Education & healthcare 15.6%

Public administration 12.2%

Construction 10.1%

Professional & management 9.2%

Retail trade 8.3%

Transportation & utilities 6.2%

Finance & real estate 5.9%

Arts, food & hospitality 5.2%

Wholesale trade 4.3%

Other services 3.9%

Information 1.7%

Occupation

Category	%
Management, business & arts	30.1%
Service	11.0%
Sales & office	31.6%
Natural resources & construction	10.9%
Production & transportation	16.4%

Employment type

Type	%
Private sector	72.1%
Government	21.8%
Self-employed	6.1%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	83.8%
Carpool	9.2%
Public transit	0.4%
Walk	0.2%
Work from home	6.5%
Other means	0.0%
Avg commute (minutes)	32.8

Poverty

All people 23.6%

Under 18 years 21.0%

18 and over 24.2%

Married-couple families 20.5%

Female-led households 32.0%

Income support

Source	% of households
Social Security	40.1%
Retirement income	25.6%
Supplemental Security	6.7%
Cash public assistance	0.8%
Food stamps / SNAP	14.3%

Health indicators

Condition	%
Obesity	34.1%
High blood pressure	37.3%
High cholesterol	35.3%
Diabetes	11.2%
Heart disease	6.6%
Stroke	3.0%
Asthma	10.2%
Arthritis	27.6%
Kidney disease	2.7%
Pulmonary disease	8.2%
Cancer	6.7%

Behavior / access	%
Smoking	22.5%
Binge drinking	15.2%
No physical activity	24.2%
Less than 7 hrs sleep	34.1%
Depression	26.6%
Fair or poor health	15.3%
Poor mental health	16.7%
Poor physical health	11.0%
No health insurance	15.6%
Visited doctor (checkup)	73.8%
Visited dentist	61.0%
Cholesterol screening	90.5%
Teeth loss	15.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	635	11.4%

Disability	%
Any disability	17.8%
Under 18	2.7%
18–64 years	17.7%
65 and over	41.0%

Health insurance coverage

Type	%
Private insurance	58.8%
Public insurance	36.5%
No insurance	14.3%
Uninsured under 19	16.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	6,700	95.8%
Spanish	88	1.3%
Other Indo-European	14	0.2%
Asian & Pacific Islander	32	0.5%
Other languages	42	0.6%

Place of birth & citizenship

Origin	Count	%
Native born (US)	6,862	98.1%
Born in same state	6,847	97.9%
Born in different state	5,029	71.9%
Foreign born	15	0.2%
Naturalized citizen	130	1.9%
Not a US citizen	51	39.2%

Ancestry

Ancestry	Count	%
Arab	1,007	14.4%
French	628	9%
Italian	527	7.5%
English	82	1.2%

Ancestry	Count	%
Dutch	29	0.4%
German	12	0.2%
Polish	10	0.1%

Technology access

Metric	% of households
Computer access	37.9%
Internet access	92.8%

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

Frequently asked questions about ZIP code 37184

What city is ZIP code 37184 in?

ZIP code 37184 is primarily assigned to Watertown, Tennessee.

What county is ZIP code 37184 in?

ZIP code 37184 falls within Wilson County, Tennessee.

What is the poverty rate in ZIP code 37184?

24% of residents in ZIP code 37184 live below the poverty line, above the national average.

Is ZIP code 37184 mostly owner-occupied?

82% of occupied units in ZIP code 37184 are owner-occupied, well above the national average.

Does ZIP code 37184 have a large retiree population?

40% of households in ZIP code 37184 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 37184 have a large veteran population?

11% of civilians in ZIP code 37184 are veterans, above the national average of ~7%.

What timezone is ZIP code 37184 in?

ZIP code 37184 observes the CST timezone.