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 Moderate-density area
- $52,125
- Median income Below-median income area
- $177,100
- Median home value Near-median home value
- 12.9%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
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 average Tennessee ZIP), while per-capita income is $22,694. Economic pressure is pronounced: 29.3% of residents are below the poverty line and unemployment is 10.3%. Home values sit below the statewide ZIP benchmark: the median is $177,100 (28% below the average Tennessee ZIP), and median rent is $781; owner occupancy is 63.1%.
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. The page also surfaces 5 ZIP codes within roughly 10 miles and 6 more in Franklin County, so 37318 can be compared with both its immediate and county-level context.
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 ZIP avg
$22,694
Per Capita Income
29.3%
Poverty Rate
10.3%
Unemployment Rate
26.6 min
Mean Commute Time
How ZIP 37318 ranks among Tennessee ZIPs
Cowan, TN household income vs. every Tennessee ZIP code
Median household income among 593 reporting Tennessee ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$52,125 27th percentile higher than 27% of 593 Tennessee ZIPs
Each bar is a $20K-wide band; taller bars hold more Tennessee 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?
Housing stock: occupied vs vacant
765housing units
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 ZIP avg
$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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 37318, both outside TN so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (1,978 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Franklin County
Related Areas
Frequently Asked Questions
What county is ZIP code 37318 in?
ZIP code 37318 (Cowan) is located in Franklin County, Tennessee. Franklin County contains multiple ZIP codes, see the full list at /counties/franklin-tn.
What is the population of ZIP code 37318?
ZIP code 37318 in Cowan, TN has a population of 1,978 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 37318?
The median household income in ZIP 37318 is $52,125, which is 32% below the national average of $76,288.
What is the average home value in ZIP 37318?
The median home value in ZIP 37318 is $177,100, which is 36% below the national average of $278,155.
What is the demographic makeup of ZIP 37318?
The largest racial group in ZIP 37318 is White at 80.9%. Hispanic or Latino residents make up 1.0% of the population.
How many businesses are in ZIP code 37318?
ZIP code 37318 has 23 business establishments employing approximately 134 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 37318?
The top industries by establishment count in ZIP 37318 are: Accommodation and food services (5), Retail trade (3), Health care and social assistance (3). There are 3 industry sectors represented in total.
What is the education level in ZIP code 37318?
In ZIP code 37318, 53.5% of residents aged 25+ have a high school diploma or higher, and 12.9% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 37318?
The mean commute time for workers in ZIP code 37318 is 26.6 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 37318?
In ZIP code 37318, approximately 63.1% of occupied housing units are owner-occupied and 36.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 37318?
The poverty rate in ZIP code 37318 is 29.3% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 37318's numbers, next.
- See how ZIP 37318 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Cowan, TN ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.