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ZIP Code · TN

ZIP 37312

Pop. 36,669·Bradley County·115th most expensive ZIP in Tennessee
Median rent (all units)
$1,370/mo
Year-over-Year
-0.5%
Month-over-Month
+1.8%
vs US Median
-$595
Rising (Monthly)
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Most AffordableMost Expensive
ZIP 37312 · $1,370
More affordable than 82% of US ZIP codes · National median $1,965/mo
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Medians by bedroom

Rent by unit size

Studio
$980
1 BR
$1,080
2 BR
$1,420
3 BR
$1,820
4 BR+
$1,880
Research median
$1,420/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: July 20, 2026

Annual cost
$16,440/yr
At $1,370/mo median
Location
StateTN
CountyBradley County
Rent Market Meter
Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are climbing (0.5% YoY), so leverage tilts toward landlords. Act sooner rather than later.
Based on rent-price momentum (-0.5% YoY, +1.8% MoM), not inventory.
Demographics

Who lives here

ZIP 37312 (Cleveland, TN) is majority owner-occupied, has a large retiree population, 35.6% of residents hold a bachelor's degree or higher.

Population
36,669
Median income
$78,261
Median age
41.5
Renters
33.1%
Age distribution
21%
19.9%
25.4%
13.2%
20.5%
Under 1821%
18–3419.9%
35–5425.4%
55–6413.2%
65+20.5%
Gender
48.7%
51.3%
Male48.7%
Female51.3%
Race & ethnicity
83.1%
White83.1%
Black4.1%
Hispanic7.1%
Asian2.9%
Other2.8%
Education (25+)
25.7%
30.8%
35.6%
No HS diploma8%
HS diploma25.7%
Some college30.8%
Bachelor's+35.6%
Housing tenure
66.9%
33.1%
Owner66.9%
Renter33.1%

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

2021 vs 2026

How ZIP 37312 in Cleveland, TN has changed in 5 years

Income
$62,545 → $78,261
up 25.1%
Population
36,102 → 36,669
up 1.6%
Renter share
30.9% → 33.1%
+2.2 pts
Bachelor's+
32.7% → 35.6%
+2.9 pts
Median age
40.6 → 41.5
+0.9 yrs

Household income in the area moved from $62,545 to $78,261 across the same window, up 25.1% versus 2021. Census counts show ZIP 37312 in Cleveland, TN adding about 567 residents over the five-year window, up 1.6% on net. The renter share has risen from 30.9% to 33.1%, with owner-occupied housing accounting for the remainder. Bachelor's-degree-or-higher attainment moved from 32.7% to 35.6% across the same window.

Community

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Local insights

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About renting in ZIP 37312

Last updated: July 20, 2026

ZIP code 37312 covers Cleveland, TN. The median rent here is $1,370/mo as of July 2026. A 1-bedroom rents for a median of $1,080/mo. A 2-bedroom rents for a median of $1,420/mo.

At 21% of local median household income ($78,261/yr), ZIP 37312 ranks as affordable compared to the national benchmark of 30%. Rents have decreased 0.5% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 37312?

As of July 20, 2026, the median monthly rent in ZIP 37312 (Cleveland, TN) is $1,370. This is based on aggregated data from public sources and community submissions.

How does ZIP 37312 rent compare to the US average?

ZIP 37312's median rent of $1,370/mo is $595 (30%) below the US national median of $1,965/mo.

How does ZIP 37312 compare to other ZIPs in Tennessee?

ZIP 37312 is among the more affordable ZIP codes in Tennessee, ranking #115 out of 145 ZIPs at $1,370/mo.

How much income do you need to rent in ZIP 37312?

To keep rent at or below 30% of gross income, you would need to earn at least $55,000/year (~$26/hour full-time) to afford the median rent of $1,370/mo in ZIP 37312. The local median household income is $78,261/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 37312?

Rent in ZIP 37312 has decreased 0.5% over the past year as of July 20, 2026, offering some relief compared to 12 months ago.

Is ZIP 37312 an affordable place to rent?

ZIP 37312 is considered very affordable for renters. At $1,370/mo, rent takes approximately 21% of the local median household income ($78,261/yr). The standard benchmark is 30%. ZIP 37312 falls comfortably within that range.

What percentage of ZIP 37312 residents rent vs. own?

According to Census data, approximately 33.1% of ZIP 37312 households are renters, while 66.9% are owner-occupied. ZIP 37312 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 37312 compare to the rest of Cleveland?

ZIP 37312 is more affordable than Cleveland overall. At $1,370/mo, it's $69 below the Cleveland citywide median of $1,439/mo.

When was rent data for ZIP 37312 last updated?

Rent data for ZIP 37312 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
21%
VERY AFFORDABLE

At $1,370/mo, rent takes ~21% of ZIP 37312's median household income ($78,261/yr). The standard benchmark is 30%.

ZIP 37312 21%Benchmark 30%
State income taxNone
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Schools nearby

Public schools near ZIP 37312 (Cleveland, TN)

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