ZIP Code · TN

ZIP 37086

Part of La Vergne, TN

Pop. 38,872·Rutherford County·21st most expensive ZIP in Tennessee

Median rent (all units)

$2,072/mo

Year-over-Year

+0.8%

Month-over-Month

-0.2%

vs US Median

+$140

Reported rents

Stable (Monthly)

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Most AffordableMost Expensive

ZIP 37086 · $2,072

More expensive than 65% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$1,730

1 BR

$1,820

2 BR

$1,990

3 BR

$2,540

4 BR+

$3,100

Research median

$1,990/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Cheapest month to sign

January. Asking rents in ZIP 37086 usually run 2.3% below trend in January and 1.5% above it in June, about $79 a month apart at today's median. Based on 7 years of data.

Compared with the peak

Rent in ZIP 37086 is 0.2% below its high of $2,077 in August 2026, at $2,072 as of September 2026.

Past year vs. the rest of Tennessee

Rent in ZIP 37086 changed +0.8% over the year to September 2026. Across the 127 Tennessee ZIP codes Zillow tracks, the typical change was +1.8%.

Rent vs. income since 2019

From 2019 to 2024, rent in ZIP 37086 rose 39.6% while median household income rose 24.8% ($63,209 to $78,857). Rent outpaced income.

Since before the pandemic

Rent in ZIP 37086 is 44.2% higher than in March 2020. Across the US, rent is up 37.3% over the same stretch.

Recent direction

Rent rose in 6 of the last 12 months.

What a typical income covers

30% of the median household income ($78,857) is $1,971 a month. That covers HUD's Fair Market Rent for up to a 1-bedroom ($1,820); a 2-bedroom is $1,990.

Cheaper nearby

ZIP 37013, 5 miles away, rents for 23% less ($1,586/mo), about $5,800 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 37086. The seasonal pattern compares Zillow’s seasonally adjusted and unadjusted series. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$24,864/yr

At $2,072/mo median

Location

CityLa Vergne

StateTN

CountyRutherford County

Rent Market Meter

Balanced Market

Renter's MarketBalancedLandlord's Market

Rents are roughly steady, with neither renters nor landlords holding a strong edge right now.

Based on rent-price momentum (+0.8% YoY, -0.2% MoM), not inventory.

Demographics

Who lives here

ZIP 37086 (La Vergne, TN) is majority owner-occupied, has a large share of families with children, 22.4% of residents hold a bachelor's degree or higher.

Population

38,872

Median income

$78,857

Median age

33.4

Renters

26.6%

Age distribution

28.7%

23.6%

28.8%

Under 1828.7%

18–3423.6%

35–5428.8%

55–6411.1%

65+7.9%

Gender

50%

Male50%

Female50%

Race & ethnicity

45%

24.8%

25.9%

White45%

Black24.8%

Hispanic25.9%

Asian3.6%

Other0.6%

Education (25+)

35%

30.7%

22.4%

No HS diploma11.9%

HS diploma35%

Some college30.7%

Bachelor's+22.4%

Housing tenure

73.4%

26.6%

Owner73.4%

Renter26.6%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 37086 in La Vergne, TN has changed in 5 years

Rent

$1,565 → $2,072

up 32.4%

Income

$65,294 → $78,857

up 20.8%

Population

36,668 → 38,872

up 6.0%

Renter share

27.7% → 26.6%

-1.1 pts

Bachelor's+

21.9% → 22.4%

+0.5 pts

Compared with 2021, rent in ZIP 37086 in La Vergne, TN has climbed by $507 per month, settling near $2,072 after starting the period at $1,565. Census figures show median household income at $78,857 today, compared with $65,294 five years earlier. Rent outpaced income growth by roughly 11.6 percentage points, which means renters are spending a larger slice of each paycheck on housing than they did in 2021. Headcount in the area went from 36,668 to 38,872 between 2021 and 2024, a 6.0% change. The combined trend lines point to a market that has changed measurably from where it stood in early 2021.

Community

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Local insights

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About renting in ZIP 37086

Last updated: October 17, 2026

ZIP code 37086 covers La Vergne, TN. The median rent here is $2,072/mo as of October 2026. A 1-bedroom rents for a median of $1,820/mo. A 2-bedroom rents for a median of $1,990/mo.

At 32% of local median household income ($78,857/yr), ZIP 37086 ranks as moderate compared to the national benchmark of 30%. Rents have increased 0.8% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 37086?

To keep rent at or below 30% of gross income, you would need to earn at least $83,000/year (about $40/hour full-time) to afford the median rent of $2,072/mo in ZIP 37086. The local median household income is $78,857/yr, so the typical household falls short of that bar.

Is rent going up or down in ZIP 37086?

Rent in ZIP 37086 has risen 0.8% over the past year as of September 2026. It sits 0.2% below its high of $2,077 in August 2026.

When is the cheapest time to rent in ZIP 37086?

Asking rents in ZIP 37086 are usually lowest in January, about 2.3% below their yearly trend, and highest in June, about 1.5% above it. At today's median that is a gap of roughly $79 a month. This pattern comes from 7 years of Zillow rent data.

Has rent outpaced income in ZIP 37086?

Yes. From 2019 to 2024, rent in ZIP 37086 rose 39.6% while median household income rose 24.8%, from $63,209 to $78,857. Rent is Zillow's yearly average; income is the Census 5-year estimate for the same years.

How does ZIP 37086 compare to other ZIPs in Tennessee?

ZIP 37086 is one of the pricier among Tennessee ZIP codes for rent, ranking #21 of 147 at $2,072/mo. Over the year to September 2026, rent in ZIP 37086 changed +0.8%, against a typical +1.8% across the 127 Tennessee ZIP codes Zillow tracks.