37398 ZIP Code — Winchester, TN

Franklin County, Tennessee

ZIP code 37398 is located in Winchester, Tennessee, within Franklin County. It covers approximately 109.34 square miles and serves a population of 15,207 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 931.

About ZIP code 37398

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $198,600. Owner-occupancy is high at 76%, well above the national average.

Median household income is $59,187. 38% 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 20 minutes is near the national average.

Educational attainment is near the national average, with 23% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (22%) compared to national benchmarks.

Overall, ZIP code 37398 reflects a community defined by high homeownership and a significant Social Security-dependent population.

15,207

population

109.34

sq mi land

Standard

ZIP type

Central (CT)

timezone

37398 ZIP code map

Cities in ZIP code 37398

Below are the cities the US Postal Service accepts for ZIP code 37398. Using any city not on this list may result in mail delivery delays.

City	Status
Winchester	Preferred

Nearby ZIP codes

37330 Estill Springs (6.7 mi) 37318 Cowan (7.7 mi) 37306 Belvidere (7.8 mi) 37324 Decherd (9.4 mi) 37388 Tullahoma (11.2 mi) 37345 Huntland (11.6 mi) 37383 Sewanee (11.9 mi) 37389 Arnold Afb (12.2 mi) 37352 Lynchburg (13.2 mi) 37376 Sherwood (13.3 mi) 37375 Sewanee (13.6 mi) 37359 Mulberry (16.2 mi)

Demographics updated 05/2026

Population
Total population	15,207
Population density	139 / sq mi
State FIPS	47
County FIPS	051

Geography
Land area	109.34 sq mi
Water area	9.93 sq mi
Latitude	35.1976
Longitude	-86.1300
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	47.1%	52.8%	45.7%
$50k – $100k	30.8%	29.3%	30.9%
$100k – $200k	15.5%	13.6%	18.3%
Over $200k	6.6%	4.4%	5.1%

Demographics & statistics

15,207

Population

139

People per sq mi

43.8

Median age

$59,187

Median household income

$35,187

Per capita income

$198,600

Median home value

$783

Median monthly rent

76.0%

Home ownership

14.0%

Poverty rate

2.8%

Unemployment

5,933

Housing units

23.2%

Bachelor's or higher

Age distribution

Male Female

409

Under 5

425

557

5–9

579

430

10–14

447

417

15–19

434

354

20–24

369

864

25–34

899

836

35–44

870

796

45–54

828

652

55–59

679

577

60–64

600

935

65–74

972

436

75–84

454

190

85+

198

← Male

Female →

Age summary

Group	Count	%
Under 18	3,265	21.5%
18 and over	11,942	78.5%
65 and over	3,185	20.9%
Median age	43.8 years

Race & ethnicity

White 79.9%

Black or African American 6.7%

Hispanic or Latino 5%

Two or more races 4.8%

Other race 2.5%

American Indian / Alaska Native 0.5%

Asian 0.5%

Group	Count	%
White	12,782	79.9%
Black or African American	1,080	6.7%
Hispanic or Latino	796	5%
Two or more races	772	4.8%
Other race	404	2.5%
American Indian / Alaska Native	86	0.5%
Asian	83	0.5%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	47.1%	52.8%	45.7%
$50k – $100k	30.8%	29.3%	30.9%
$100k – $200k	15.5%	13.6%	18.3%
Over $200k	6.6%	4.4%	5.1%

Under $10k 7.0%

$10k–$15k 4.0%

$15k–$25k 6.9%

$25k–$35k 5.1%

$35k–$50k 19.5%

$50k–$75k 22.0%

$75k–$100k 11.2%

$100k–$150k 14.7%

$150k–$200k 3.4%

$200k+ 6.3%

Range	% of households
Under $10k	7.0%
$10k–$15k	4.0%
$15k–$25k	6.9%
$25k–$35k	5.1%
$35k–$50k	19.5%
$50k–$75k	22.0%
$75k–$100k	11.2%
$100k–$150k	14.7%
$150k–$200k	3.4%
$200k+	6.3%
Median income	$59,187

Housing

Home values

Under $50k 2.4%

$50k–$100k 10.1%

$100k–$150k 19.0%

$150k–$200k 19.0%

$200k–$300k 22.7%

$300k–$500k 18.1%

$500k–$1M 5.9%

$1M+ 2.8%

Housing overview

Metric	Value
Median home value	$198,600
Median rent / month	$783
Owner occupied	76.0%
Renter occupied	24.0%
Vacant	16.4%
Single-family detached	84.0%
Large apartment buildings	0.7%
Mobile homes	4.1%
Median rooms	5.9
Avg household size (owned)	2.47

Year built

Era	%
2020 or later	3.3%
2010–2019	6.6%
2000–2009	17.6%
1990–1999	17.8%
1980–1989	12.4%
1970–1979	10.9%
1960–1969	8.2%
1950–1959	9.4%
1940–1949	5.4%
1939 or earlier	8.3%

Bedrooms

Size	% of units
No bedroom (studio)	0.1%
1 bedroom	2.6%
2 bedrooms	20.5%
3 bedrooms	56.2%
4 bedrooms	15.4%
5+ bedrooms	5.2%

Vehicles per household

Vehicles	% of households
No vehicle	5.2%
1 vehicle	30.3%
2 vehicles	38.9%
3 or more	25.6%

Heating fuel

Fuel type	%
Utility gas	26.6%
Electricity	67.7%
Propane / LP gas	4.2%
Fuel oil	0.4%
Wood	0.8%
No fuel used	0.2%

Households & families

Household type	Count	%
Married-couple family	2,818	45.4%
Cohabiting couple	250	4.0%
Male householder, no spouse	1,106	17.8%
Female householder, no spouse	2,033	32.8%
Households with children under 18	1,496	24.1%
Households with seniors (65+)	2,215	35.7%
Average household size	2.39

Marital status

Status	Male	Female
Never married	26.9%	19.5%
Married	52.5%	46.7%
Separated	1.4%	2.4%
Widowed	6.5%	14.7%
Divorced	12.7%	16.6%

Education

Less than 9th grade 2.9%

Some HS, no diploma 7.1%

HS graduate 41.5%

Some college, no degree 18.2%

Associate's degree 7.1%

Bachelor's degree 13.7%

Graduate / professional 9.5%

Metric	%
HS diploma or higher	90.0%
Bachelor's or higher	23.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	228	7.1%
Kindergarten	118	3.7%
Elementary school	1,674	52.3%
High school	626	19.6%
College / grad school	552	17.3%

Employment

Industry of employment

Manufacturing 22.2%

Education & healthcare 19.2%

Retail trade 15.5%

Other services 7.9%

Professional & management 7.2%

Public administration 6.6%

Arts, food & hospitality 5.9%

Finance & real estate 5.8%

Construction 4.4%

Transportation & utilities 2.4%

Wholesale trade 1.1%

Information 1.1%

Agriculture & mining 0.6%

Occupation

Category	%
Management, business & arts	33.9%
Service	15.2%
Sales & office	21.2%
Natural resources & construction	10.1%
Production & transportation	19.7%

Employment type

Type	%
Private sector	75.3%
Government	16.1%
Self-employed	8.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	83.3%
Carpool	6.8%
Public transit	0.2%
Walk	0.6%
Work from home	8.5%
Other means	0.7%
Avg commute (minutes)	20.2

Poverty

All people 14.0%

Under 18 years 23.6%

18 and over 11.5%

Married-couple families 6.7%

Female-led households 24.6%

Income support

Source	% of households
Social Security	38.2%
Retirement income	25.7%
Supplemental Security	6.1%
Cash public assistance	1.1%
Food stamps / SNAP	10.7%

Health indicators

Condition	%
Obesity	39.1%
High blood pressure	42.6%
High cholesterol	38.6%
Diabetes	13.7%
Heart disease	8.4%
Stroke	4.0%
Asthma	10.3%
Arthritis	32.3%
Kidney disease	3.5%
Pulmonary disease	9.9%
Cancer	7.9%

Behavior / access	%
Smoking	22.3%
Binge drinking	12.9%
No physical activity	26.5%
Less than 7 hrs sleep	34.5%
Depression	25.6%
Fair or poor health	18.3%
Poor mental health	16.3%
Poor physical health	12.6%
No health insurance	16.4%
Visited doctor (checkup)	77.3%
Visited dentist	56.7%
Cholesterol screening	91.3%
Teeth loss	18.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,230	10.3%

Disability	%
Any disability	21.7%
Under 18	10.2%
18–64 years	19.6%
65 and over	40.4%

Health insurance coverage

Type	%
Private insurance	67.7%
Public insurance	38.9%
No insurance	9.7%
Uninsured under 19	7.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	14,373	94.5%
Spanish	196	1.4%
Other Indo-European	168	1.2%
Asian & Pacific Islander	0	0.0%
Other languages	28	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	14,633	96.2%
Born in same state	14,543	95.6%
Born in different state	9,763	64.2%
Foreign born	90	0.6%
Naturalized citizen	574	3.8%
Not a US citizen	196	34.1%

Ancestry

Ancestry	Count	%
Arab	1,823	12%
French	1,444	9.5%
Italian	1,140	7.5%
English	129	0.8%
German	24	0.2%

Ancestry	Count	%
Irish	24	0.2%
Dutch	23	0.2%
Polish	13	0.1%
Norwegian	11	0.1%

Technology access

Metric	% of households
Computer access	40.8%
Internet access	91.4%

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

Frequently asked questions about ZIP code 37398

What city is ZIP code 37398 in?

ZIP code 37398 is primarily assigned to Winchester, Tennessee.

What county is ZIP code 37398 in?

ZIP code 37398 falls within Franklin County, Tennessee.

Does ZIP code 37398 have a large retiree population?

38% of households in ZIP code 37398 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 37398 have a large veteran population?

10% of civilians in ZIP code 37398 are veterans, above the national average of ~7%.

What is the population of ZIP code 37398?

ZIP code 37398 has an estimated population of 15,207 residents, with a density of 139 people per square mile.

What is the typical home value in ZIP code 37398?

The median home value in ZIP code 37398 is $198,600.

What timezone is ZIP code 37398 in?

ZIP code 37398 observes the CST timezone.