A lifelong resident of White County, Zach graduated from the University of North Georgia with a bachelor's degree in accounting and management. He has devoted his insurance career to Farm Bureau, having been employed since 2011. He is a member of Blue Creek Baptist Church, where he has attended since childhood. Zach and his wife Katie share a son, Wyatt, and a daughter, Austyn. Zach also runs a commercial beef cattle operation with his father, Stacey.