ZIP Code 37318

ZIP code 37318 is classified by USPS as a standard delivery area and covers roughly 31.0 square miles in Cowan, Franklin County, Tennessee. The area is home to 1,978 residents, producing a population density of 64 people per square mile, and falls within the Chicago time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 37318 against Tennessee and the nation.

On the economic side, the median household income for ZIP 37318 sits at $52,125 (22% below the Tennessee average), while per-capita income is $22,694. The poverty rate stands at 29.3% and the unemployment rate at 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, a direct signal of whether 37318 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 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 is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →