Zip code 37318: Cowan, Tennessee

Q: What city is zip code 37318?

37318 is assigned to Cowan, Tennessee. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 37318 in?

37318 is in Franklin County, Tennessee.

Q: What is the population of 37318?

About 2,103 people live in 37318, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 37318?

The median household income in 37318 is $52,125.

Q: What zip codes are near 37318?

The closest zip codes to 37318 are 37324, 37383, 37375, 37398, 37376.

Residential delivery areaFranklin CountyCentral Time

Population

2,103

Median household income

$52K

U.S. $81K

Median home value

$177K

U.S. $333K

Median rent

$781/mo

U.S. $1,413

Median age

36.7

U.S. 38.9

Land area

12 sq mi

169 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 37318

37318 is a small-town zip code in Cowan, Tennessee (Franklin County), covering 12 sq mi of land. About 2,103 people live here, or 169 per square mile. The median resident is 36.7 years old, compared with 38.9 nationally.

The median household earns $52,125 a year, 35% below the national median of $80,734. 29.3% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $177,100, or 3.4 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 63% of occupied homes are lived in by their owners, and renters pay a median of $781 a month.

13% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 26.6 minutes each way, and 6% of workers work from home. The most common jobs among working residents are in production and manufacturing; construction and repair; and transportation and moving goods.

How 37318 compares

Sorted from highest to lowest national percentile

Residents under 1833.2%
99th
U.S. 22% · TN 22.2%16th of 608 in TN
Poverty rate29.3%
95th
WeaknessU.S. 12.5% · TN 13.8%43rd of 600 in TN
Unemployment rate10.3%
95th
WeaknessU.S. 5.2% · TN 4.7%49th of 607 in TN
Veterans10.7%
92nd
U.S. 6.2% · TN 7.3%81st of 607 in TN
Residents 65 and older19.1%
68th
U.S. 17.2% · TN 17.1%301st of 608 in TN
Uninsured rate8.4%
62nd
U.S. 8.4% · TN 10%352nd of 607 in TN
Average commute26.6 min
54th
U.S. 26.4 min · TN 25.7 min343rd of 597 in TN
Homeownership rate63.1%
38th
U.S. 65.2% · TN 66.9%498th of 600 in TN
Median age36.7
32nd
U.S. 38.9 · TN 38.9495th of 608 in TN
Diversity index33
27th
U.S. 61.4 · TN 46.4171st of 608 in TN
Housing vacancy4.4%
27th
U.S. 10.1% · TN 10.2%552nd of 602 in TN
Median earnings per worker$40,353
22nd
U.S. $49,666 · TN $45,229377th of 606 in TN
Population density169/sq mi
19th
U.S. 95/sq mi · TN 171/sq mi209th of 608 in TN
Rent-burdened renters41.4%
19th
StrengthU.S. 51.1% · TN 48.8%332nd of 584 in TN
Median home value$177,100
16th
U.S. $332,700 · TN $286,700387th of 590 in TN
Income inequality (Gini)0.388
13th
StrengthU.S. 0.483 · TN 0.476486th of 600 in TN
Median household income$52,125
11th
WeaknessU.S. $80,734 · TN $69,595432nd of 590 in TN
Work from home5.8%
11th
U.S. 15.1% · TN 12.9%431st of 608 in TN
Broadband access84.1%
10th
WeaknessU.S. 91% · TN 89.2%386th of 600 in TN
Self-employed workers5.9%
9th
U.S. 10% · TN 9.8%510th of 607 in TN
Median gross rent$781
6th
U.S. $1,413 · TN $1,189365th of 515 in TN
Bachelor's degree or higher12.9%
6th
WeaknessU.S. 35.7% · TN 31.1%476th of 604 in TN
Per capita income$22,694
5th
WeaknessU.S. $44,673 · TN $39,437553rd of 608 in TN
Population2,103
3rd
U.S. 334,922,499 · TN 7,066,383438th of 608 in TN
Healthcare workers3.8%
2nd
U.S. 9.7% · TN 9.6%547th of 607 in TN
Government workers5.9%
2nd
U.S. 14.5% · TN 13.7%570th of 607 in TN
Foreign-born residents0.1%
1st
U.S. 14.1% · TN 6.1%516th of 608 in TN
Tech workers0%
1st
U.S. 3.8% · TN 2.8%509th of 607 in TN

Measure	37318	Franklin	TN	U.S.	National percentile	Rank in TN
Residents under 18	33.2%	19.6%	22.2%	22%	99th	16th of 608
Poverty rateWeakness	29.3%	12%	13.8%	12.5%	95th	43rd of 600
Unemployment rateWeakness	10.3%	2.8%	4.7%	5.2%	95th	49th of 607
Veterans	10.7%	10.5%	7.3%	6.2%	92nd	81st of 607
Residents 65 and older	19.1%	20.9%	17.1%	17.2%	68th	301st of 608
Uninsured rate	8.4%	7.8%	10%	8.4%	62nd	352nd of 607
Average commute	26.6 min	25.1 min	25.7 min	26.4 min	54th	343rd of 597
Homeownership rate	63.1%	77.4%	66.9%	65.2%	38th	498th of 600
Median age	36.7	42.2	38.9	38.9	32nd	495th of 608
Diversity index	33	23.2	46.4	61.4	27th	171st of 608
Housing vacancy	4.4%	13.3%	10.2%	10.1%	27th	552nd of 602
Median earnings per worker	$40,353	$41,370	$45,229	$49,666	22nd	377th of 606
Population density	169/sq mi	80/sq mi	171/sq mi	95/sq mi	19th	209th of 608
Rent-burdened rentersStrength	41.4%	40.4%	48.8%	51.1%	19th	332nd of 584
Median home value	$177,100	$236,900	$286,700	$332,700	16th	387th of 590
Income inequality (Gini)Strength	0.388	0.433	0.476	0.483	13th	486th of 600
Median household incomeWeakness	$52,125	$63,494	$69,595	$80,734	11th	432nd of 590
Work from home	5.8%	8.3%	12.9%	15.1%	11th	431st of 608
Broadband accessWeakness	84.1%	83.5%	89.2%	91%	10th	386th of 600
Self-employed workers	5.9%	7.9%	9.8%	10%	9th	510th of 607
Median gross rent	$781	$894	$1,189	$1,413	6th	365th of 515
Bachelor's degree or higherWeakness	12.9%	23.9%	31.1%	35.7%	6th	476th of 604
Per capita incomeWeakness	$22,694	$34,060	$39,437	$44,673	5th	553rd of 608
Population	2,103	43,990	7,066,383	334,922,499	3rd	438th of 608
Healthcare workers	3.8%	8.2%	9.6%	9.7%	2nd	547th of 607
Government workers	5.9%	15.9%	13.7%	14.5%	2nd	570th of 607
Foreign-born residents	0.1%	2.6%	6.1%	14.1%	1st	516th of 608
Tech workers	0%	1.4%	2.8%	3.8%	1st	509th of 607

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

11%

Under 5

23%

5–17

18–24

25–34

35–44

10%

45–54

14%

55–64

12%

65–74

75+

Median age

36.7

Under 18

33.2%

65 and over

19.1%

Race and ethnicity

White80%
Black15%
Hispanic1.0%
Asian0.0%
Native American0%
Pacific Islander0%
Other0%
Multiracial4%

Diversity index

U.S. 61.4

Foreign-born

0.1%

U.S. 14.1%

Born in state

68.2%

Language spoken at home (households)

English only

98%

Spanish

Other Indo-European

0.7%

Asian / Pacific

Other

Households

Households: 731
Average household size: 2.8
Family households: 66.1%
Married couples: 42.4%
Living alone: 29%
Veterans (of adults): 10.7%
Male / female: 44% / 56%

Income and poverty

Household income distribution

<$25k

23%

$25–50k

26%

$50–75k

17%

$75–100k

15%

$100–150k

17%

$150–200k

$200k+

0.3%

Median household income

37318

$52,125

Franklin Co.

$63,494

Tennessee

$69,595

United States

$80,734

Per capita income

$22,694

U.S. $44,673

Poverty rate

29.3%

U.S. 12.5%

Households earning $150K+

2.2%

U.S. 23%

Income inequality (Gini)

0.388

U.S. 0.483

Housing

Median home value

37318

$177,100

Franklin Co.

$236,900

Tennessee

$286,700

United States

$332,700

Median gross rent

37318

$781

Franklin Co.

$894

Tennessee

$1,189

United States

$1,413

Types of housing

Single-family

76%

2–4 units

14%

5–19 units

0.7%

20+ units

0.5%

Mobile home

Boat, RV, van

Housing units: 765
Owner-occupied: 63.1%
Vacant: 4.4%
Median year built: 1970
Median rooms: 5.8
Renters paying 30%+ of income: 41.4%
Renters paying 50%+ of income: 21.5%
Home value to income: 3.4× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

81%

Carpooled

10%

Transit

Walked

Bicycle

Worked from home

Other

Commute time (one way)

<10 min

15%

10–19

40%

20–29

30–44

26%

45–59

60+

10%

Average commute

26.6 min

U.S. 26.4 min

Unemployment

10.3%

U.S. 5.2%

In labor force

49.1%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Production

21%

Construction and repair

20%

Transportation and moving

20%

Office and admin

10%

Business and finance

Sales

Management

Healthcare

Cleaning and personal care

Education

Food service

Engineering and science

Legal and social services

0.3%

Computer and math

Arts, media and sports

Police and fire

Farming, fishing and forestry

Industries

Manufacturing

41%

Transportation, warehousing and utilities

11%

Retail

Construction

Finance, insurance and real estate

Education

Admin, support and management

Health care and social assistance

Other services

Professional and technical services

Public administration

Restaurants and hotels

0.4%

Wholesale

Information

Arts and recreation

Agriculture and mining

Median earnings per worker

$40,353

U.S. $49,666

Self-employed

5.9%

U.S. 10%

Government workers

5.9%

U.S. 14.5%

Nonprofit workers

4.4%

U.S. 8.8%

Median earnings by type of work

Type of work	37318	U.S.
Management, business, science and arts	$46,750	$74,888
Service	$32,321	$26,804
Sales and office	$56,250	$40,476
Construction and maintenance	$32,428	$49,199
Production and transportation	$39,013	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

15%

High school

41%

Some college

22%

Associate's

Bachelor's

10%

Graduate

High school graduate or higher: 84.8%
Bachelor's degree or higher: 12.9%
Graduate or professional degree: 3.3%
Households with broadband: 84.1%
Cable, fiber or DSL: 59.5%
No internet access: 13%
Without health insurance: 8.4%
Limited-English households: 0%

Geography

City (USPS): Cowan
State: Tennessee
County: Franklin County
Center point: 35.1787° N, 85.9800° W
Land area: 12 sq mi
Water area: under 0.1 sq mi
Time zone: Central Time (UTC-6, UTC-5 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Cowan16% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 37318

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
37324	Decherd, TN	4.2 mi	5,628	$50,417	$223,200
37383	Sewanee, TN	4.4 mi	344	—	—
37375	Sewanee, TN	5.4 mi	3,866	$71,204	$366,700
37398	Winchester, TN	8.9 mi	15,755	$63,730	$247,800
37376	Sherwood, TN	9.2 mi	361	—	$213,900
37356	Monteagle, TN	9.5 mi	2,679	$59,026	$298,300
37330	Estill Springs, TN	11 mi	7,204	$70,952	$213,500
37306	Belvidere, TN	13 mi	1,919	$39,375	$223,400
37366	Pelham, TN	14 mi	1,216	$58,616	$188,500
37342	Hillsboro, TN	14 mi	3,863	$68,487	$269,800
37380	South Pittsburg, TN	15 mi	6,688	$59,304	$194,500
37387	Tracy City, TN	16 mi	3,674	$46,944	$163,800

Zip codes like 37318 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 37318

What city is zip code 37318?

37318 is assigned to Cowan, Tennessee. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 37318 in?

37318 is in Franklin County, Tennessee.

What is the population of 37318?

About 2,103 people live in 37318, according to the Census Bureau's American Community Survey.

What time zone is 37318 in?

37318 is in Central Time.

What is the median household income in 37318?

The median household income in 37318 is $52,125.

What zip codes are near 37318?

The closest zip codes to 37318 are 37324, 37383, 37375, 37398, 37376.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 37318, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.