Cowan ZIP Codes — Franklin County, TN

There is one unique ZIP code in Cowan, Tennessee and it is 37318. Area code: 931.

ZIP codes

12.41

sq mi land

0.00

sq mi water

931

area code

Cowan, TN ZIP code map

About Cowan, TN

Cowan, Tennessee, is a quaint city located in the heart of Franklin County. Known for its beautiful landscapes and rich history, Cowan serves as a charming community that reflects the essence of small-town living in Tennessee. With its closely-knit neighborhoods and vibrant local culture, it offers residents a peaceful yet engaging environment.

Location & geography

Situated approximately 10 miles west of Tullahoma and 20 miles east of Winchester, Cowan is encompassed by rolling hills and lush greenery characteristic of the region. The city covers a total land area of 12.41 square miles, with no water area, making it a landlocked community. Its natural terrain provides ample opportunities for outdoor activities and is a scenic backdrop for daily life.

Community & economy

Cowan boasts a unique character that blends Southern hospitality with a rich industrial heritage. The community revolves around local businesses, agriculture, and small industries, which contribute to the town's livelihood. Daily life here is marked by community events, friendly gatherings, and a strong sense of belonging among residents.

Transportation

Cowan is easily accessible via State Route 55, which connects it to Nashville and Chattanooga, making travel convenient for both residents and visitors. The nearest major airport is the Chattanooga Metropolitan Airport, located about 45 miles away. Public transportation options may be limited, emphasizing the need for personal vehicles in this rural setting.

History

Founded in the mid-19th century, Cowan was initially developed as a railroad town, playing a significant role in the region's transportation network. The city has historically been known for its timber and manufacturing industries, which have shaped its economic landscape. Notable events in Cowan's history include the establishment of its local schools and the preservation of its historical structures.

Did you know?

One surprising fact about Cowan is that it was once a significant stop on the railroad, facilitating transport throughout the region. Additionally, Cowan is home to many historic buildings that reflect its rich architectural heritage.

ZIP codes for Cowan, TN (1)

ZIP code	City	County	Map
37318	Cowan	Franklin	View map

Demographics & statistics

2,323

Population

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

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%
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	%
High blood pressure	44.0%
High cholesterol	38.0%
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	%
Binge drinking	12.7%
No physical activity	29.9%
Less than 7 hrs sleep	36.4%
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%
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

What ZIP codes does Cowan, TN have?

Cowan, TN has one ZIP code: 37318. Each ZIP code serves a distinct delivery area within the city and surrounding region.