Cowan, TN · standard
ZIP Code 37318
Franklin County, Tennessee - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 1,978
- 64/sq mi
- $52,125
- Median income
- $177,100
- Median home value
- 12.9%
- Bachelor's or higher
The verdict
Cowan pairs one of the lowest household incomes in the country with below-median home values, in a rural, homeowner-dominated area.
- 17th pct
- household income, US ZIPs
- 37th pct
- home value, US ZIPs
- 64
- people per sq mi
- 63%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 37318 against every reporting US ZIP.
ZIP code 37318 covers 31.0 square miles in Cowan, Franklin County, Tennessee (a standard USPS delivery area), with a modest 1,978 residents on file, a density of 64 people per square mile, in the Chicago time zone.
ZIP 37318 reports a modest median household income of $52,125 (22% below the Tennessee average), while per-capita income is $22,694. 29.3% of residents live below the poverty line, and the unemployment rate reads 10.3%. On housing, the median home value is $177,100 (28% below the state average) with median rent at $781 per month, and 63.1% of occupied units are owner-occupied.
Formal educational attainment runs low here: just 12.9% of adults hold a bachelor's degree or higher, the median age is 36.7, and the average commute is 27 minutes. We also surface 5 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Franklin County, so you can benchmark 37318 against its immediate geography rather than a national average alone.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 37318
Top 5 sectors by establishment count in Cowan, TN
Which industries have the most business establishments in ZIP 37318.
- Accommodation and food services
Accommodation and food services
5 establishments
- Retail trade
Retail trade
3 establishments
- Health care and social assistance
Health care and social assistance
3 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 37318, Cowan, TN · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
1,978
Population
31.0
Area (sq mi)
64
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 37318?
36.7
Median Age
44.1%
Male
55.9%
Female
0.1%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$52,125
Median Household Income
-22% vs state
$22,694
Per Capita Income
29.3%
Poverty Rate
10.3%
Unemployment Rate
26.6 min
Mean Commute Time
How ZIP 37318 ranks nationally
Cowan, TN household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$52,125 17th percentile higher than 17% of 30,318 US ZIPs
Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
765
Total Housing Units
731
Occupied Units
34
Vacant Units
2.82
Avg Household Size
Occupancy Type
$177,100
Median Home Value
-28% vs state
$781
Median Rent
1970
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 23 business establishments in ZIP 37318, employing approximately 134 people with a combined annual payroll of $4,623,000.
23
Businesses
134
Employees
$4.6M
Annual Payroll
3
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Accommodation and food services | 5 | 21.7% |
| Retail trade | 3 | 13.0% |
| Health care and social assistance | 3 | 13.0% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 37318 vs 37324 →
ZIP 37318 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 37398
Winchester (37398)
14,347 residents
- 37330
Estill Springs (37330)
6,784 residents
- 37324 5,322
Decherd (37324)
5,322 residents
- 37375 3,711
Sewanee (37375)
3,711 residents
- 37318 1,978
Cowan (37318)
1,978 residents
- 37376 418
Sherwood (37376)
418 residents
What this shows Among its immediate neighbors, ZIP 37318 ranks #5 by population - useful context the national average alone can't give.
ZIP 37318 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 37375
Sewanee (37375)
$71,204 median income
- 37330
Estill Springs (37330)
$70,952 median income
- 37398
Winchester (37398)
$63,730 median income
- 37318
Cowan (37318)
$52,125 median income
- 37324
Decherd (37324)
$50,417 median income
What this shows By household income, ZIP 37318 ranks #4 of 5 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
More ZIP Codes in Franklin County
Related Areas
Frequently Asked Questions
What county is ZIP code 37318 in? ▼
What is the population of ZIP code 37318? ▼
What is the median household income in ZIP 37318? ▼
What is the average home value in ZIP 37318? ▼
What is the demographic makeup of ZIP 37318? ▼
How many businesses are in ZIP code 37318? ▼
What are the main industries in ZIP code 37318? ▼
What is the education level in ZIP code 37318? ▼
What is the average commute time in ZIP 37318? ▼
What percentage of residents own vs. rent in ZIP 37318? ▼
What is the poverty rate in ZIP code 37318? ▼
Read our methodology to see how this data is sourced, computed, and verified.