37318 ZIP Code — Cowan, TN

Franklin County, Tennessee

ZIP code 37318 is located in Cowan, Tennessee, within Franklin County. It covers approximately 12.41 square miles and serves a population of 2,323 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 931.

About ZIP code 37318

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $108,100. Owner-occupancy sits near the national average at 60%.

Median household income is $34,932. Poverty affects 31% of residents, above the national average. SNAP benefit usage at 25% of households reflects economic stress in the area. 42% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is production, transportation, and material moving, with manufacturing as the leading industry. The average commute of 23 minutes is near the national average.

College attainment at 9% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (26%) compared to national benchmarks.

Notable community characteristics include a notable veteran presence at 12% of civilians, above the national average of 7%; and disability rates above the national average at 28%.

Overall, ZIP code 37318 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a strong veteran community, a significant Social Security-dependent population, and elevated reliance on food assistance.

2,323

population

12.41

sq mi land

Standard

ZIP type

Central (CT)

timezone

37318 ZIP code map

Cities in ZIP code 37318

Below are the cities the US Postal Service accepts for ZIP code 37318. Using any city not on this list may result in mail delivery delays.

City	Status
Cowan	Preferred

Nearby ZIP codes

37383 Sewanee (4.6 mi) 37324 Decherd (5 mi) 37375 Sewanee (6 mi) 37398 Winchester (7.7 mi) 37376 Sherwood (8.6 mi) 37356 Monteagle (10.3 mi) 37330 Estill Springs (10.4 mi) 37306 Belvidere (12.2 mi) 37366 Pelham (12.6 mi) 37342 Hillsboro (14.7 mi) 37345 Huntland (16.1 mi) 37388 Tullahoma (16.4 mi)

Demographics updated 05/2026

Population
Total population	2,323
Population density	187 / sq mi
State FIPS	47
County FIPS	051

Geography
Land area	12.41 sq mi
Water area	0.00 sq mi
Latitude	35.1819
Longitude	-85.9955
Timezone	Central (CT)
Area code	931

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	70.1%	52.8%	45.7%
$50k – $100k	18.1%	29.3%	30.9%
$100k – $200k	10.2%	13.6%	18.3%
Over $200k	1.7%	4.4%	5.1%

Demographics & statistics

2,323

Population

187

People per sq mi

34.4

Median age

$34,932

Median household income

$19,301

Per capita income

$108,100

Median home value

$706

Median monthly rent

59.6%

Home ownership

30.5%

Poverty rate

10.0%

Unemployment

595

Housing units

9.3%

Bachelor's or higher

Age distribution

Male Female

156

Under 5

160

5–9

10–14

128

15–19

132

20–24

124

25–34

127

35–44

108

45–54

110

55–59

60–64

152

65–74

157

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	723	31.1%
18 and over	1,600	68.9%
65 and over	419	18.0%
Median age	34.4 years

Race & ethnicity

White 84.8%

Black or African American 9.8%

Two or more races 3.9%

Hispanic or Latino 0.9%

Other race 0.6%

Group	Count	%
White	1,986	84.8%
Black or African American	229	9.8%
Two or more races	92	3.9%
Hispanic or Latino	20	0.9%
Other race	15	0.6%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	70.1%	52.8%	45.7%
$50k – $100k	18.1%	29.3%	30.9%
$100k – $200k	10.2%	13.6%	18.3%
Over $200k	1.7%	4.4%	5.1%

Under $10k 10.1%

$10k–$15k 4.7%

$15k–$25k 14.2%

$25k–$35k 21.3%

$35k–$50k 8.4%

$50k–$75k 17.9%

$75k–$100k 4.8%

$100k–$150k 15.7%

$150k–$200k 0.9%

$200k+ 2.0%

Range	% of households
Under $10k	10.1%
$10k–$15k	4.7%
$15k–$25k	14.2%
$25k–$35k	21.3%
$35k–$50k	8.4%
$50k–$75k	17.9%
$75k–$100k	4.8%
$100k–$150k	15.7%
$150k–$200k	0.9%
$200k+	2.0%
Median income	$34,932

Housing

Home values

Under $50k 25.2%

$50k–$100k 20.9%

$100k–$150k 15.4%

$150k–$200k 14.2%

$200k–$300k 23.5%

$500k–$1M 0.2%

$1M+ 0.6%

Housing overview

Metric	Value
Median home value	$108,100
Median rent / month	$706
Owner occupied	59.6%
Renter occupied	40.4%
Vacant	13.3%
Single-family detached	68.7%
Large apartment buildings	1.5%
Mobile homes	17.8%
Median rooms	5.6
Avg household size (owned)	2.96

Year built

Era	%
2020 or later	0.4%
2010–2019	3.3%
2000–2009	4.0%
1990–1999	9.8%
1980–1989	8.3%
1970–1979	30.5%
1960–1969	10.2%
1950–1959	9.4%
1940–1949	13.3%
1939 or earlier	10.8%

Bedrooms

Size	% of units
No bedroom (studio)	0.3%
1 bedroom	4.8%
2 bedrooms	37.2%
3 bedrooms	46.6%
4 bedrooms	10.4%
5+ bedrooms	0.7%

Vehicles per household

Vehicles	% of households
No vehicle	10.6%
1 vehicle	33.9%
2 vehicles	27.2%
3 or more	28.3%

Heating fuel

Fuel type	%
Utility gas	21.5%
Electricity	73.0%
Propane / LP gas	3.0%
Wood	1.5%
No fuel used	0.9%

Households & families

Household type	Count	%
Married-couple family	338	42.6%
Cohabiting couple	35	4.4%
Male householder, no spouse	205	25.8%
Female householder, no spouse	216	27.2%
Households with children under 18	279	35.1%
Households with seniors (65+)	277	34.9%
Average household size	2.89

Marital status

Status	Male	Female
Never married	32.2%	12.5%
Married	51.7%	41.9%
Separated	0.9%	25.8%
Widowed	1.2%	10.0%
Divorced	13.9%	9.9%

Education

Less than 9th grade 8.0%

Some HS, no diploma 12.4%

HS graduate 48.4%

Some college, no degree 14.6%

Associate's degree 7.3%

Bachelor's degree 6.3%

Graduate / professional 3.1%

Metric	%
HS diploma or higher	79.6%
Bachelor's or higher	9.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	18	4.0%
Kindergarten	23	5.1%
Elementary school	150	33.0%
High school	221	48.6%
College / grad school	43	9.5%

Employment

Industry of employment

Manufacturing 42.4%

Education & healthcare 11.4%

Transportation & utilities 8.0%

Professional & management 7.9%

Finance & real estate 7.4%

Construction 6.9%

Retail trade 4.9%

Arts, food & hospitality 4.0%

Other services 2.6%

Public administration 2.6%

Information 1.6%

Agriculture & mining 0.4%

Occupation

Category	%
Management, business & arts	14.4%
Service	12.2%
Sales & office	15.5%
Natural resources & construction	22.8%
Production & transportation	35.1%

Employment type

Type	%
Private sector	87.6%
Government	6.7%
Self-employed	5.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	71.8%
Carpool	23.1%
Public transit	0.0%
Walk	1.4%
Work from home	3.7%
Other means	0.0%
Avg commute (minutes)	23.3

Poverty

All people 30.5%

Under 18 years 48.3%

18 and over 22.4%

Married-couple families 18.3%

Female-led households 46.5%

Income support

Source	% of households
Social Security	42.4%
Retirement income	18.1%
Supplemental Security	8.2%
Cash public assistance	2.0%
Food stamps / SNAP	25.1%

Health indicators

Condition	%
Obesity	41.4%
High blood pressure	44.0%
High cholesterol	38.0%
Diabetes	15.0%
Heart disease	8.9%
Stroke	4.5%
Asthma	11.1%
Arthritis	33.1%
Kidney disease	3.7%
Pulmonary disease	11.3%
Cancer	7.5%

Behavior / access	%
Smoking	26.2%
Binge drinking	12.7%
No physical activity	29.9%
Less than 7 hrs sleep	36.4%
Depression	26.9%
Fair or poor health	21.7%
Poor mental health	17.9%
Poor physical health	14.3%
No health insurance	18.4%
Visited doctor (checkup)	76.9%
Visited dentist	50.9%
Cholesterol screening	89.8%
Teeth loss	23.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	191	11.9%

Disability	%
Any disability	28.2%
Under 18	3.6%
18–64 years	33.0%
65 and over	57.2%

Health insurance coverage

Type	%
Private insurance	53.0%
Public insurance	52.8%
No insurance	8.7%
Uninsured under 19	0.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,007	86.4%
Spanish	11	0.5%
Other Indo-European	11	0.5%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,306	99.3%
Born in same state	2,299	99.0%
Born in different state	1,648	70.9%
Foreign born	7	0.3%
Naturalized citizen	17	0.7%
Not a US citizen	2	11.8%

Ancestry

Ancestry	Count	%
French	305	13.1%
Italian	265	11.4%
Arab	163	7%

Ancestry	Count	%
Irish	7	0.3%
Dutch	3	0.1%

Technology access

Metric	% of households
Computer access	34.2%
Internet access	85.1%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 37318

What city is ZIP code 37318 in?

ZIP code 37318 is primarily assigned to Cowan, Tennessee.

What county is ZIP code 37318 in?

ZIP code 37318 falls within Franklin County, Tennessee.

What is the poverty rate in ZIP code 37318?

31% of residents in ZIP code 37318 live below the poverty line, above the national average.

Is ZIP code 37318 family-oriented?

31% of residents in ZIP code 37318 are under 18, reflecting a younger, family-oriented community.

How educated is the population of ZIP code 37318?

9% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 37318 have a large retiree population?

42% of households in ZIP code 37318 receive Social Security income, suggesting a significant retiree or disability population.

What timezone is ZIP code 37318 in?

ZIP code 37318 observes the CST timezone.