Residential delivery area · Tennessee
ZIP Code 37318: Cowan, TN
ZIP code 37318 uses the postal name Cowan, Tennessee and lies entirely in Franklin County (Census 2020 ZIP-county file). About 2,100 people live there (Census Bureau, ACS 2020-2024). Median household income is $52,125 (Census Bureau, ACS 2020-2024). By Census place, 16% of its land lies in Cowan; 84% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2024
- ZBP2023
- IRS2022
- Town
- Cowan · its only residential ZIP
- County
- Franklin County
- Census places
- Cowan
- Micro area
- Winchester, TN
- House district
- TN-4 119th Congress
- State
- Tennessee
- Time zone
- Central
- Land area
- 12.4 sq mi · 169 people per sq mi
Where is ZIP code 37318?
37318 centers on 35.179°, -85.980° and covers 12.4 square miles of land. It borders 3 ZIP codes: 37324, 37375, 37398.
The map draws ZIP code areas only. For the streets inside 37318, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 37318 compare with the rest of Franklin County?
| Measure | 37318 | In Franklin County | In TN |
|---|---|---|---|
| People (ACS 2020-2024) | 2,103 | 10th of 14 | 438th of 636 |
| Median household income | $52k | 7th of 7 | 330th of 425 |
| Median home value | $177k | 11th of 12 | 316th of 436 |
Its median household income is higher than in 17% of U.S. residential ZIP codes, and it is denser than 61% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 37318?
The 2020 Census counted 1,972 people in 37318; the ACS, which samples households over 2020-2024, estimates 2,103. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 2,103±404 (90% margin)
- 2020 Census count
- 1,972
- Households
- 731
- Median age
- 36.7
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 37318?
Of the 2,103 people the ACS estimates in 37318, 33.2% are under 18 and 19.1% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (80.5%), then Black (not Hispanic) (14.6%).
- Under 1833.2%
- 18 to 6447.6%
- 65 and older19.1%
- White, not Hispanic80.5%
- Black, not Hispanic14.6%
- Other or two or more3.9%
- Hispanic or Latino1.0%
- Asian, not Hispanic0.0%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 37318 earn?
Median household income is $52,125 (ACS 2020-2024), the 7th highest of the 7 ranked ZIP codes in Franklin County.
- Median household income
- $52,125±$12,990
- Income per person
- $22,694
- Below the poverty line
- 29.3%
- Unemployed (of the labor force)
- 10.3%
- Adults 25+ with a bachelor's degree
- 12.9%
- Adjusted gross income per tax return, 2022
- $48,426880 returns; wages 73% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 37318?
- Median home value (owners' estimate)
- $177,100
- Median gross rent
- $781
- Homes owned by their occupants
- 63.1%
- Housing units
- 765
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 37318?
23 business establishments had a location in this ZIP code in 2023, 3 more than in 2018; the most are in accommodation and food services (ZIP Code Business Patterns).
- Accommodation and food services5
- Retail trade3
- Health care and social assistance3
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 37318?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 37324 | Decherd | 5,628 | $50k | 4.2 mi |
| 37375 | Sewanee | 3,866 | $71k | 5.4 mi |
| 37398 | Winchester | 15,755 | $64k | 8.9 mi |
| 37383 | Sewanee | 344 | – | 4.4 mi (near) |
| 37376 | Sherwood | 361 | – | 9.2 mi (near) |
| 37356 | Monteagle | 2,679 | $59k | 9.5 mi (near) |
| 37330 | Estill Springs | 7,204 | $71k | 11.0 mi (near) |
| 37306 | Belvidere | 1,919 | $39k | 13.2 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.