| ZIP Code | 37318 |
|---|---|
| City | Cowan |
| State | Tennessee (TN) |
| County | Franklin County |
| Area Code | 931 |
| Elevation | 1,010 ft |
| Latitude | 35.178719 |
|---|---|
| Longitude | -85.980014 |
| Timezone | Chicago (DST) |
| FIPS | 47051 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 35.0 yrs ↓ 25% since 2019 |
|---|---|
| Avg Household Size | 2.86 |
| Below Poverty | 32.3% ▲ 223% above avg |
| College Grads | 22.2% ▼ 43% below avg |
| Unemployment | 10.3% ▲ 109% above avg |
| No HS Diploma | 14 (1.2%) |
| HS Graduate | 483 (43%) |
| Some College | 195 (17.4%) |
| Associates | 182 (16.2%) |
| Bachelors | 101 (9%) |
| Graduate Degree | 148 (13.2%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $41,484 ▼ 46% below avg ↑ 33% since 2019 |
|---|---|
| Median Home Value | $132,200 ▼ 53% below avg ↑ 57% since 2019 |
| Home/Income Ratio | 3.2x (nat avg ~3.5x) |
| Median Rent | $715/mo ↑ 29% since 2019 |
| Total Units | 807 |
| Vacant Units | 34 |
| Avg HH Size | 2.86 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 807 |
|---|---|
| Vacant | 34 |
| Owner Occupied | 62.2% |
| Renter Occupied | 37.8% |
| Avg HH Size | 2.86 |
ZIP code 37318 is located in Cowan, Tennessee, within Franklin County. With a population of 2,245, this is a sparsely populated ZIP code with a relatively young community — the median age is 35 years. Economically, 37318 is a working-class ZIP code: the median household income of $41,484 is below the national average.
Real estate in ZIP code 37318 represents one of the more affordable housing markets in the country. The median home value of $132,200 is well below the national average. Renters can expect to pay around $715 per month in median rent. Homeownership is strong here — 62.2% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 57% since 2019.
The population of 37318 is primarily White (86.01%). Residents are less-educated — 22.2% hold a bachelor's degree or higher, which is below the national average. Poverty affects a significant share of residents at 32.3%. Household income has grown by 33% since 2019.
The unemployment rate in 37318 stands at 10.3%, which is more than double the national average. As in most parts of the country, driving alone is the dominant commute mode at 76%.
Overall, ZIP code 37318 in Cowan, TN is characterized as working-class, less-educated, a relatively young community, and predominantly owner-occupied. With 2,245 residents, a median household income of $41,484, and a median home value of $132,200, it offers a clear picture of life in this part of Tennessee.