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Area data

Liberty, TN — ZIP 37095

Population: 1,697 (Census ACS)

The median home value in ZIP 37095 (Liberty, TN) is $288,701 — up 10.5% over the past year. FEMA's National Risk Index rates the county's overall natural-hazard risk Very Low, with strongwind the top-rated hazards. Cost of living is 9.5% below the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$288,701

Median home value

+10.5%

1-year change

Very Low

Hazard risk (county)

Home values & appreciation

Median home value
$288,701
1-year appreciation
+10.5%
3-year appreciation
+20.2%
5-year appreciation
+32.8%
10-year appreciation
+140.9%
All-time peak (2026-04)
$291,491
House Price Index (state)
475.9 (+0.5% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

For-sale inventory
18
New listings (monthly)
5

Source: recent area sales and market data (ZIP-level)

Rents

Studio fair-market rent
$1,150/mo
1BR fair-market rent
$1,170/mo
2BR fair-market rent
$1,320/mo
3BR fair-market rent
$1,660/mo
4BR fair-market rent
$2,020/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Below Average)
90.5 (100 = US avg)
Electricity rate (state-level)
13.2¢/kWh
Natural gas rate (state-level)
$11.80/MCF
30-year mortgage rate (national)
6.66%
15-year mortgage rate (national)
6.00%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Natural hazards & flood risk

Overall hazard risk (county)
Very Low
Top hazards (county)
strongWind
Notable hazard ratings (county)
coldWave: Relatively Low · drought: Relatively Low · earthquake: Relatively Low · hail: Relatively Low · iceStorm: Relatively Low · lightning: Relatively Low
Wildfire risk to homes (county)
Higher than 27% of US counties
Buildings in wildfire direct-exposure zone
84.7%
Radon potential (county)
Moderate radon potential — EPA Zone 2 of 3
EPA Superfund (NPL) sites within 5 mi
None
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature
61.0°F
Average high
72.0°F
Average low
50.0°F
Annual precipitation
55.7 in
USDA plant hardiness zone
7b (extreme annual low 5 to 10°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Air quality

Air quality rating
Good
Median AQI (annual)
37
Days with Good air quality
333
Days with Moderate air quality
19
Highest AQI recorded (year)
90

Source: EPA air quality data (nearest monitoring station, annual)

Amenities

National parks within ~60 mi
1
Nearest national park
Stones River National Battlefield (29 mi)
Airports within 30 mi
24
Nearest airport
Soggy Bottom Airport (1 mi)
Nearest major airport
Smyrna Airport (MQY) (32 mi)
Hospitals nearby (~15 mi)
1,090
Hospitals include
MIZELL MEMORIAL HOSPITAL, CRENSHAW COMMUNITY HOSPITAL, CRENSHAW COMMUNITY HOSPITAL
Avg hospital rating (CMS)
3.1 / 5
Best hospital rating nearby (CMS)
5.0 / 5
Solar radiation rating
Fair (4.2 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
+193 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,980
Housing built before 1970
35.8%
Housing built 2000 or later
26.7%
Median annual property tax
$793
Mean commute to work
29 min
Households with broadband internet
61.1%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
4,818
Average weekly wage
$965
Top industries (by employment)
Accommodation & Food, Finance & Insurance, Professional Services
Annual residential building permits (county)
143

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 37095State medianUS median
Median home value$288,701$269,649$289,727
Median annual property tax$793$970$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in ZIP 37095?
$288,701.
What is typical rent in ZIP 37095?
2-bedroom fair-market rent: $1,320/month (HUD FMR — a 40th-percentile regulatory reference, not market-observed).
What is the natural-hazard risk in ZIP 37095?
Overall risk: Very Low (FEMA NRI, county-level). Top hazards: strongWind.
What is the wildfire risk in ZIP 37095?
Risk to homes is higher than 27% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 37095?
Moderate radon potential — EPA Zone 2 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 37095?
No current or proposed National Priorities List sites within 5 miles (EPA).
What is the air quality in ZIP 37095?
Good. Median AQI: 37. (EPA AQI).
What is the cost of living in ZIP 37095?
Regional Price Parity: 90.5 (100 = US average) (Below Average) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Sep 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents