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Lowest Mortgage Rate near Me, Clarksville, TN 37042


Safety and Crime Rates in ZIP Code 37042


ZIP Code 37042 primarily spans Clarksville, Tennessee, and is home to a diverse population. Understanding the safety and crime rates in this area is essential for residents and prospective residents alike.

Crime Rate Statistics

Violent Crimes

Violent crimes in the 37042 area include offenses such as assault, robbery, and homicide. According to recent reports, the violent crime rate in this ZIP Code is considerably lower than both state and national averages.

  • Assault: 2.3 per 1,000 residents
  • Robbery: 1.1 per 1,000 residents
  • Homicide: 0.02 per 1,000 residents

Property Crimes

Property crimes are more prevalent in the 37042 area compared to violent crimes. Types of property crimes include burglary, larceny, and motor vehicle theft.

  • Burglary: 5.4 per 1,000 residents
  • Larceny: 12.8 per 1,000 residents
  • Motor Vehicle Theft: 3.6 per 1,000 residents

Year-Over-Year Trends

The crime rates in ZIP Code 37042 have shown a mixed trend over the past few years. While some categories have seen a decrease, others have experienced a slight increase.

Decreasing Crime Rates

Recent years have seen a notable decrease in violent crimes:

  • Assault rates have decreased by 5%.
  • Robberies have decreased by 10%.

Increasing Crime Rates

Conversely, certain property crimes have seen a slight uptick:

  • Burglary rates have increased by 3%.
  • Motor vehicle theft rates have risen by 2%.

Police Presence and Community Initiatives

Law Enforcement

The Clarksville Police Department maintains a significant presence in the 37042 area, utilizing various measures to ensure community safety:

  • Regular patrols in high-crime areas
  • Community policing programs
  • Partnerships with local organizations

Community Programs

Several community-driven initiatives aim to reduce crime and increase safety:

  • Neighborhood Watch Programs: Local residents collaborate to monitor and report suspicious activities.
  • Youth Outreach Programs: These programs offer activities and support to keep young people engaged and out of trouble.
  • Community Clean-Up Events: Regular events help maintain the cleanliness and safety of the area.

Resident Experiences

Feedback from residents plays a crucial role in understanding the real impact of crime in the area. Many residents feel relatively safe, citing the effective police presence and community involvement as key factors.

“I have lived in ZIP Code 37042 for over five years. The community is proactive, and the police are always around, which makes me feel safe.” – Clarksville Resident


While ZIP Code 37042 has its set of challenges, the combined efforts of law enforcement and community programs contribute significantly to maintaining and improving safety in the area. By focusing on these collaborative approaches, the area continues to work toward a safer environment for all its residents.

Proximity to Essential Services for ZIP Code 37042

Healthcare Services


The 37042 ZIP code is home to several hospitals, providing easy access to healthcare for residents. The main facility includes Tennova Healthcare, which offers a broad range of medical services including emergency care, surgical procedures, and specialist consultations, ensuring that critical healthcare services are within a short drive for residents.

Clinics and Urgent Care

In addition to hospitals, ZIP code 37042 also hosts numerous clinics and urgent care centers. These facilities offer various services from routine checkups to immediate care for non-life-threatening conditions. Notable mentions include MedExpress Urgent Care and American Family Care.


Pharmacies such as CVS, Walgreens, and Walmart Pharmacy are accessible within the 37042 area, ensuring residents can easily procure prescription medications and over-the-counter drugs. Some of these pharmacies offer 24-hour services, providing convenience for urgent medication needs.

Educational Institutions

Public Schools

The Clarksville-Montgomery County School System serves the 37042 area with several public schools at the elementary, middle, and high school levels. Key institutions include West Creek Elementary School, Kenwood Middle School, and Northwest High School, providing quality education and easy access for students in the community.

Private Schools

Private educational options are also available within the ZIP code. Notable private schools such as Clarksville Academy and Little Country Schoolhouse offer alternative educational curriculums and a more personalized learning environment.

Higher Education

For higher education, the area is in close proximity to Austin Peay State University, located just a short drive from 37042. This provides residents with access to undergraduate and graduate programs, enriching the local academic environment.

Shopping and Grocery Stores


Residents of ZIP code 37042 have numerous grocery shopping options. Stores such as Kroger, Publix, and Walmart Supercenter offer a broad range of fresh produce, groceries, and household items, making daily shopping convenient.

Retail Stores

For general shopping, the area houses various retail stores, including Target, Walmart, and the Governor’s Square Mall. These locations provide access to a variety of products ranging from electronics to clothing and home goods.

Public Transportation

Bus Services

The Clarksville Transit System (CTS) operates within the 37042 ZIP code, offering bus routes connecting residents to key locations within the city. This public transportation service supports commuting to work, school, and other essential destinations efficiently.

Taxi and Ride-Sharing

For those preferring private transportation options, taxi services and ride-sharing companies like Uber and Lyft provide additional convenience. These services offer on-demand transportation, accommodating various transit needs around the clock.

Recreational Facilities

Parks and Green Spaces

The area is rich in green spaces and parks, including Heritage Park and Billy Dunlop Park. These locations offer outdoor recreational activities such as walking trails, sports fields, and playgrounds, catering to family outings and fitness enthusiasts.

Sports and Fitness Centers

Health and fitness are well-supported with multiple gyms and fitness centers like Planet Fitness and Gold’s Gym. These facilities provide modern equipment and trainer services, promoting an active lifestyle among residents.

Emergency Services

Fire Stations

The 37042 ZIP code boasts efficient emergency services including several fire stations. The Clarksville Fire Rescue responds quickly to emergencies, ensuring residents’ safety and property protection.

Police Services

Law enforcement needs in the area are covered by the Clarksville Police Department, which provides essential services ranging from emergency response to routine patrolling, ensuring community safety and security.

Financial Services

Banks and ATMs

Financial services within ZIP code 37042 are highly accessible. Major banks such as Bank of America, SunTrust, and Regions Bank, along with numerous ATMs, offer a wide range of financial services from everyday banking tasks to financial planning.

Credit Unions

For those preferring credit unions, Fortera Credit Union and Navy Federal Credit Union provide member-based financial services with competitive rates and personal banking solutions.

Dining and Restaurants


The 37042 ZIP code offers diverse dining options ranging from casual eateries to fine dining. Notable spots include Blackhorse Pub & Brewery and The Choppin’ Block, offering varied cuisines that cater to different tastes and dining preferences.

Fast Food

For quick meals, the area includes numerous fast-food chains such as McDonald’s, Chick-fil-A, and Taco Bell, providing convenient dining choices for busy residents.

Quality of Local Schools in ZIP Code 37042

Overview of the School District

The ZIP Code 37042 is served by the Clarksville-Montgomery County School System (CMCSS), which is highly regarded for its commitment to educational excellence. With a clear focus on student achievement and community involvement, CMCSS offers a range of educational opportunities designed to cater to the diverse needs of all students.

Elementary Schools

Parents of younger children can choose from several well-rated elementary schools in the 37042 area. These schools are known for their nurturing environments and strong academic programs. Some notable elementary schools include:

  • Kenwood Elementary School: Known for its focus on developing critical thinking skills and creativity in students.
  • Woodlawn Elementary School: Offers a comprehensive curriculum that emphasizes both academic and social development.

Middle Schools

Middle schools in the 37042 ZIP Code are equally commendable, providing students with a robust curriculum that prepares them for high school and beyond. The middle schools emphasize a balanced approach to education, combining academics with extracurricular activities:

  • Kenwood Middle School: Features advanced programs in STEM (Science, Technology, Engineering, and Mathematics) and a wide range of extracurricular activities.
  • New Providence Middle School: Focuses on personalized learning plans to meet the needs of each student, aiming to foster both academic and personal growth.

High Schools

High schools serving ZIP Code 37042 have garnered praise for their strong academic programs, college preparatory courses, and vocational training options. Some of the prominent high schools in the area include:

  • Kenwood High School: Offers a variety of Advanced Placement (AP) courses and has a strong reputation in athletics and performing arts.
  • West Creek High School: Notable for its robust Career and Technical Education (CTE) programs and diverse student body.

Special Programs and Extracurricular Activities

The schools in ZIP Code 37042 offer numerous special programs and extracurricular activities designed to enhance the educational experience. Students have access to:

  • Advanced Placement (AP) and Honors programs
  • STEM clubs and initiatives
  • Sports teams and athletic programs
  • Music, art, and theater programs
  • Community service opportunities

Parental Involvement and Community Support

Strong parental involvement and community support are key characteristics of the schools in ZIP Code 37042. Schools encourage parents to participate in various activities and initiatives, fostering a collaborative environment that supports student success.

Community organizations often partner with local schools to offer additional resources and programs, enhancing the overall educational experience for students.

Student Performance and Academic Achievement

Schools within ZIP Code 37042 consistently perform well in state assessments and standardized tests. The district’s commitment to maintaining high academic standards is reflected in the performance of its students, who often exceed state averages in key subject areas such as math, reading, and science.


The quality of local schools in ZIP Code 37042 is evident through their rigorous academic programs, dedicated staff, and strong community support. Families residing in this area can be confident that the schools will provide a well-rounded education, preparing students for future success.

Public Transportation Access in ZIP Code 37042

Overview of ZIP Code 37042

ZIP Code 37042 is primarily located in Clarksville, Tennessee. This bustling area is home to a variety of residential neighborhoods, commercial establishments, and vital amenities. Public transportation plays a crucial role in the community by providing mobility to residents and visitors alike.

Public Transportation Services

Clarksville Transit System (CTS)

The Clarksville Transit System (CTS) is the primary provider of public transportation in ZIP Code 37042. CTS operates several bus routes that cater to the needs of the community, offering reliable and efficient service.

  • Route 1: Madison Street
  • Route 2: Riverside Drive
  • Route 5: Fort Campbell Boulevard
  • Route 7: New Providence

CTS Fleet and Facilities

The CTS fleet consists of modern, accessible buses equipped with amenities such as wheelchair lifts and bike racks. Key facilities include the Transit Center located at 200 Legion Street.

Paratransit Services

For individuals with disabilities, CTS Paratransit Services offers door-to-door transportation options. This service ensures that all residents, regardless of physical limitations, have access to necessary transportation.

Route Maps and Schedules

Route maps and schedules for CTS services in ZIP Code 37042 can be found on the Clarksville Transit System website. Riders can plan their journeys using real-time tracking features provided on the site.

Fare Information

CTS Fare Structure:

  • Single Ride: $1.50
  • Day Pass: $4.00
  • Monthly Pass: $55.00
  • Discounted fares available for seniors, students, and veterans.

Fare Payment Methods

CTS accepts several payment methods to accommodate passengers:

  • Cash
  • CTS Smartcard
  • Mobile App Payment

Accessibility Features

Public transportation in ZIP Code 37042 is designed to be inclusive and accessible. Key features include:

  • Wheelchair-accessible buses
  • Audio and visual announcements
  • Braille and tactile signage

Transit-Oriented Development

Efforts are underway to promote transit-oriented development (TOD) in ZIP Code 37042, aiming to create more sustainable and pedestrian-friendly environments. These developments include mixed-use buildings and improved pedestrian pathways near major transit stops.

Current and Future Projects

Ongoing and future projects by the City of Clarksville focus on enhancing public transportation infrastructure, including:

  • Upgrading existing bus stops with shelters and seating
  • Expanding bike-sharing programs
  • Developing new transit hubs

Community Engagement and Resources

Community outreach and engagement are integral to the success of public transportation in ZIP Code 37042. Various resources are available to help residents stay informed:

  • Public meetings and forums
  • Online surveys and feedback forms
  • Social media updates from CTS and the City of Clarksville

Environmental and Economic Impact

Public transportation in ZIP Code 37042 contributes to both environmental sustainability and local economic growth. Key impacts include:

  • Reduced Traffic Congestion: By providing an alternative to personal vehicles, public transit helps decrease traffic congestion and associated emissions.
  • Economic Opportunities: Enhanced mobility for residents leads to greater access to jobs, education, and services.


The public transportation system in ZIP Code 37042, anchored by the Clarksville Transit System, is a vital asset for the community. Through continuous improvements and engagement, ZIP Code 37042 is dedicated to providing efficient, accessible, and sustainable transportation options.

Neighborhood Atmosphere in 37042: A Comprehensive Overview

Geographical Features

The ZIP Code 37042, located in Clarksville, Tennessee, is known for its diverse terrain and scenic beauty. The area is characterized by a mix of rolling hills, expansive parks, and residential neighborhoods. Notable geographical features include the Clarksville Greenway and the West Fork Red River, which flows through this region, contributing to the area’s picturesque landscape.

Residential Areas

Housing in 37042 ranges from single-family homes to modern apartments and townhouses. The neighborhoods are generally well-maintained, showcasing neatly manicured lawns and tree-lined streets. Some of the prominent residential communities include Ashton Place, Ringgold Estates, and Liberty Park. Residents enjoy a sense of community and security, making it a preferred location for families and individuals alike.

Community and Social Life

This ZIP Code boasts a vibrant community spirit. Regular local events, such as farmers’ markets, community fairs, and recreational activities, are a staple in 37042. The Roxy Regional Theatre and the Clarksville-Montgomery County Public Library serve as cultural hubs where residents gather for social activities, fostering a close-knit community atmosphere.

Employment and Economic Opportunities

The neighborhood benefits from a robust economy with a variety of employment opportunities. Proximity to Fort Campbell military base significantly impacts the local job market, providing employment for military personnel and civilians alike. Additionally, there are numerous retail, hospitality, healthcare, and educational services contributing to the local economy.


The 37042 ZIP Code offers a range of educational facilities, from primary schools to higher education institutions. Schools such as Glenn Ellen Elementary, Northeast High School, and Austin Peay State University provide quality education, adding to the neighborhood’s appeal for families. Community engagement in schools is high, with frequent events and programs aimed at student development.

Parks and Recreation

Residents of 37042 have access to several parks and recreational areas. Liberty Park and Clarksville Greenway offer ample space for outdoor activities, including hiking, cycling, and picnicking. The parks are well-equipped with facilities like playgrounds, sports fields, and trails, encouraging an active and healthy lifestyle among the community members.

Shopping and Dining

The neighborhood is home to a variety of shopping and dining options. Shopping centers such as Governor’s Square Mall and Great Escape Theaters offer retail and entertainment amenities. Dining in 37042 is diverse, with numerous restaurants serving everything from Southern comfort food to international cuisine, reflecting the cultural diversity of the area.

Safety and Services

Safety is a priority in the 37042 ZIP Code, with well-coordinated law enforcement and emergency services. The area is patrolled by the Clarksville Police Department, ensuring low crime rates and a secured environment. Additionally, the presence of fire stations, medical centers, and other essential services contributes to the overall well-being and safety of residents.


Transportation in 37042 is facilitated by a well-connected network of roads and public transport systems. The neighborhood is serviced by the Clarksville Transit System, providing convenient bus routes throughout the city. Its proximity to major highways and the Clarksville Regional Airport further enhance connectivity for residents.

Demographic Profile

The demographic makeup of 37042 is diverse, with a harmonious blend of various age groups, ethnicities, and socioeconomic backgrounds. This diversity is mirrored in the neighborhood’s schools, businesses, and community events, promoting an inclusive and welcoming atmosphere.

Real Estate Market Trends for ZIP Code 37042

Overview of ZIP Code 37042

The real estate market in ZIP Code 37042, located in Clarksville, Tennessee, has been experiencing dynamic changes. This area is known for its robust military community due to its proximity to Fort Campbell, resulting in a steady demand for housing.

Home Prices

As of the most recent data, the median home price in ZIP Code 37042 is approximately $250,000. Over the past year, there has been an increase of about 8% in median home values. This growth rate aligns with the broader national trend of rising home prices, albeit at a slightly accelerated rate due to the area’s unique demand factors.

Market Inventory

The inventory of homes in 37042 remains tight. On average, homes in this ZIP code stay on the market for approximately 45 days before being sold. This quick turnover is indicative of a seller’s market, where demand outstrips supply.

Types of Properties Available

The majority of properties in ZIP Code 37042 are single-family homes. However, there is a noticeable uptick in the construction of multifamily units and townhouses, catering to younger buyers and military families looking for affordable and flexible living arrangements.

New Construction

New construction is burgeoning in the area, with several developers focusing on modern, energy-efficient homes. These new builds typically come with premium pricing but offer buyers the benefits of the latest home technology and design trends.

Rental Market Trends

The rental market in 37042 is also strong, propelled by the transient nature of military personnel. The median rent for a single-family home is around $1,500 per month. There has been a significant increase in demand for rental properties, leading to rising rents across the board.

Economic Drivers

Fort Campbell remains the primary economic driver influencing the real estate market in ZIP Code 37042. Other contributing factors include a growing local economy, new retail developments, and the recent enhancement of educational facilities. These factors collectively bolster the housing market’s attractiveness.

Future Trends

Looking forward, the real estate market in 37042 is expected to continue its upward trajectory. With ongoing developments and sustained demand from military personnel, property values are projected to steadily increase. Investors and homebuyers are likely to find this market appealing due to its stability and growth potential.

Property Taxes in ZIP Code 37042

Overview of Property Taxes

Property taxes in ZIP Code 37042 are a significant consideration for homeowners and potential buyers. This report provides an in-depth analysis of property tax rates, the assessment process, exemptions, and payment options specifically for the area.

Property Tax Rates

In ZIP Code 37042, property tax rates are determined by the local government and are expressed as a percentage of the assessed property value. For the current fiscal year, the property tax rate is approximately 2.5% of the assessed value. This rate may vary slightly based on the specific location within the ZIP Code or recent changes in tax legislation.

Assessment Process

The property assessment process in ZIP Code 37042 involves several key steps:

  1. Property Evaluation: A county assessor evaluates the value of the property, considering factors such as square footage, property condition, and comparable sales.
  2. Assessment Notice: Homeowners receive an assessment notice indicating the assessed value of the property.
  3. Appeal Process: If homeowners disagree with the assessed value, they can file an appeal with the local assessment office within a specified period.

Exemptions and Deductions

Homeowners in ZIP Code 37042 may qualify for various property tax exemptions and deductions that can reduce their tax burden. Some common exemptions include:

  • Homestead Exemption: Available to homeowners who use the property as their primary residence.
  • Senior Citizen Exemption: Provides tax relief to homeowners above a certain age.
  • Veterans Exemption: Reduces property taxes for qualified military veterans.

Payment Options

Property tax payments in ZIP Code 37042 can be made through various methods, allowing flexibility for property owners:

  • Online Payments: Using the local government’s secure online payment portal.
  • Mail: Sending a check or money order to the county tax collector’s office.
  • In-Person: Visiting the county tax office to pay by cash, check, or credit card.

It is essential to pay property taxes by the due date to avoid penalties and interest charges. Many local governments offer installment plans for those needing more flexible payment terms.

Resources and Contact Information

For more detailed information on property taxes in ZIP Code 37042, property owners can contact the local tax assessor’s office:

Clarksville-Montgomery County Tax Assessor
350 Pageant Lane, Suite 101
Clarksville, TN 37042
Phone: (931) 648-5709
Visit Official Website

Additionally, the official county website offers various resources, including property tax calculators, assessment appeal guidelines, and exemption application forms.

Community Amenities in ZIP Code 37042

Parks and Recreational Areas

The 37042 ZIP code offers a variety of parks and recreational areas. Notable parks include:

  • Liberty Park: Features walking trails, picnic areas, and sports fields.
  • Tiny Town Road Park: Known for its playgrounds and open spaces.
  • Heritage Park Sports Complex: Includes a baseball diamond, soccer fields, and a skate park.

Community Centers

Residents in 37042 have access to several community centers that offer a range of activities and services:

  • Clarksville Regional Community Center: Provides fitness classes, swimming pools, and event spaces.
  • Mount Olive Community Center: Offers programs for youth and seniors, along with rental halls for events.


The area is served by well-equipped libraries that cater to diverse interests:

  • Clarksville-Montgomery County Public Library: Hosts reading programs, computer classes, and special events for all ages.
  • Fort Campbell Libray: Provides resources and services specifically for military families.

Educational Institutions

ZIP code 37042 is home to reputable educational institutions:

  • Burt Elementary School: Known for its strong emphasis on STEM education.
  • Kenwood High School: Offers Advanced Placement courses and a variety of extracurricular activities.
  • Clarksville Academy: A private institution known for its rigorous academic programs and sports teams.

Sports Facilities

For sports enthusiasts, 37042 provides:

  • Clarksville Athletic Center: Features indoor courts for basketball, volleyball, and racquetball.
  • Dunn Center: Equipped with a full-scale gymnasium and fitness equipment.
  • Burt-Cobb Recreation Center: Offers facilities for martial arts, gymnastics, and various fitness programs.

Healthcare Services

Healthcare services in the 37042 area include:

  • Tennova Healthcare: A full-service hospital offering emergency care, surgery, and specialized treatments.
  • Premier Medical Group: Provides primary care, pediatrics, and specialty services.
  • Blanchfield Army Community Hospital: Serves military personnel and their families with comprehensive medical services.

Shopping and Dining

Shopping and dining options in 37042 abound:

  • Governor’s Square Mall: Features major retail stores, boutique shops, and a food court.
  • Tiny Town Plaza: Offers a range of dining options from fast food to fine dining.
  • Great Escape Theatres: A multiplex cinema located near a variety of restaurants and cafes.

Public Transportation

The area is well-served by public transportation:

  • Clarksville Transit System (CTS): Operates numerous routes providing reliable bus service throughout the ZIP code.
  • Rideshare Services: Uber and Lyft are readily available for convenient travel.
  • Fort Campbell Shuttle: Offers transportation for military personnel within the base and surrounding areas.

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