37318 Zip Code (Cowan, TN) Detailed Profile

Estimated zip code population in 2022: 2,365
Zip code population in 2010: 1,978
Zip code population in 2000: 1,851

Houses and condos: 944
Renter-occupied apartments: 334
March 2022 cost of living index in zip code 37318: 79.3 (low, U.S. average is 100)

Land area: 12.0 sq. mi.
Water area: 0.0 sq. mi.

Population density: 198 people per square mile

(very low).

Real estate property taxes paid for housing units in 2022:
Median real estate property taxes paid for housing units with mortgages in 2022: $986 (0.5%)
Median real estate property taxes paid for housing units with no mortgage in 2022: $728 (0.6%)

For population 25 years and over in 37318:

• High school or higher: 79.4%
• Bachelor's degree or higher: 9.8%
• Graduate or professional degree: 3.2%
• Unemployed: 6.6%
• Mean travel time to work (commute): 23.3 minutes

For population 15 years and over in 37318:

• Never married: 19.1%
• Now married: 53.7%
• Separated: 12.0%
• Widowed: 5.1%
• Divorced: 10.1%

• 
• • 2,01885.4%White
  • 2339.9%Black
  • 883.7%Two or more races
  • 241.0%Hispanic or Latino
  • 10.04%Asian

Urban population: 1,961
Rural population: 403

Averages for the 2020 tax year for zip code 37318, filed in 2021:

Average Adjusted Gross Income (AGI) in 2020: $40,877 (Individual Income Tax Returns)

Here:	$40,877
State:	$69,014

Salary/wage: $35,031 (reported on 83.3% of returns)

Here:	$35,031
State:	$55,872

(% of AGI for various income ranges: 1106.7% for AGIs below $25k, 3403.9% for AGIs $25k-50k, 5765.0% for AGIs $50k-75k, 7862.5% for AGIs $75k-100k, 12428.0% for AGIs $100k-200k)

Taxable interest for individuals: $510 (reported on 23.3% of returns)

This zip code:	$510
Tennessee:	$1,945

(% of AGI for various income ranges: 15.0% for AGIs below $25k, 10.0% for AGIs $25k-50k, 8.0% for AGIs $50k-75k, 62.0% for AGIs $100k-200k)

Ordinary dividends: $1,917 (reported on 6.7% of returns)

Here:	$1,917
State:	$8,105

(% of AGI for various income ranges: 21.7% for AGIs below $25k, 50.0% for AGIs $50k-75k)

Net capital gain/loss in AGI: +$4,150 (reported on 6.7% of returns)

Here:	+$4,150
State:	+$33,664

(% of AGI for various income ranges: 32.2% for AGIs $25k-50k, 350.0% for AGIs $100k-200k)

Profit/loss from business: +$8,125 (reported on 13.3% of returns)

Here:	+$8,125
State:	+$18,991

(% of AGI for various income ranges: 149.3% for AGIs below $25k, 123.9% for AGIs $25k-50k, 242.0% for AGIs $50k-75k)

Taxable individual retirement arrangement distribution: $17,900 (reported on 6.7% of returns)

37318:	$17,900
Tennessee:	$20,036

(% of AGI for various income ranges: 128.3% for AGIs $25k-50k, 779.0% for AGIs $50k-75k)

Earned income credit: $2,361 (reported on 25.6% of returns)

Here:	$2,361
State:	$2,391

(% of AGI for various income ranges: 125.7% for AGIs below $25k, 72.2% for AGIs $25k-50k)

Percentage of individuals using paid preparers for their 2020 taxes: 90.0%

Here:	90%
State:	93%

(% for various income ranges: 89.5% for AGIs below $25k, 89.3% for AGIs $25k-50k, 91.7% for AGIs $50k-75k, 100.0% for AGIs $75k-100k, 85.7% for AGIs $100k-200k)

Averages for the 2012 tax year for zip code 37318, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $35,260 (Individual Income Tax Returns)

Here:	$35,260
State:	$53,767

Salary/wage: $32,758 (reported on 83.1% of returns)

Here:	$32,758
State:	$45,421

(% of AGI for various income ranges: 74.8% for AGIs below $25k, 81.8% for AGIs $25k-50k, 78.9% for AGIs $50k-75k, 85.4% for AGIs $75k-100k, 65.3% for AGIs $100k-200k)

Taxable interest for individuals: $510 (reported on 25.3% of returns)

This zip code:	$510
Tennessee:	$1,732

(% of AGI for various income ranges: 0.9% for AGIs below $25k, 0.4% for AGIs $25k-50k, 0.2% for AGIs $50k-75k, 0.2% for AGIs $75k-100k, 0.2% for AGIs $100k-200k)

Ordinary dividends: $1,567 (reported on 7.2% of returns)

Here:	$1,567
State:	$6,739

Net capital gain/loss in AGI: +$4,850 (reported on 4.8% of returns)

Here:	+$4,850
State:	+$19,082

Profit/loss from business: +$6,936 (reported on 13.3% of returns)

Here:	+$6,936
State:	+$15,240

(% of AGI for various income ranges: 11.0% for AGIs below $25k, 2.5% for AGIs $25k-50k, 0.2% for AGIs $50k-75k)

Taxable individual retirement arrangement distribution: $10,643 (reported on 8.4% of returns)

37318:	$10,643
Tennessee:	$15,505

(% of AGI for various income ranges: 2.5% for AGIs below $25k, 3.4% for AGIs $25k-50k, 7.1% for AGIs $50k-75k)

Total itemized deductions: $16,050 (25% of AGI, reported on 9.6% of returns)

Here:	$16,050
State:	$21,976

Here:	25.0% of AGI
State:	17.8% of AGI

Charity contributions: $3,600 (reported on 7.2% of returns)

Here:	$3,600
State:	$6,709

Taxes paid: $3,275 (reported on 9.6% of returns)

37318:	$3,275
State:	$4,829

Earned income credit: $2,284 (reported on 30.1% of returns)

Here:	$2,284
State:	$2,404

(% of AGI for various income ranges: 9.6% for AGIs below $25k, 1.0% for AGIs $25k-50k)

Percentage of individuals using paid preparers for their 2012 taxes: 57.8%

Here:	58%
State:	52%

(% for various income ranges: 57.1% for AGIs below $25k, 59.1% for AGIs $25k-50k, 62.5% for AGIs $50k-75k, 50.0% for AGIs $75k-100k, 60.0% for AGIs $100k-200k)

Averages for the 2004 tax year for zip code 37318, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $30,401 (Individual Income Tax Returns)

Here:	$30,401
State:	$44,088

Salary/wage: $28,241 (reported on 85.6% of returns)

Here:	$28,241
State:	$38,825

(% of AGI for various income ranges: 82.3% for AGIs below $10k, 81.4% for AGIs $10k-25k, 88.8% for AGIs $25k-50k, 83.2% for AGIs $50k-75k, 89.3% for AGIs $75k-100k, 37.0% for AGIs over 100k)

Taxable interest for individuals: $647 (reported on 34.4% of returns)

This zip code:	$647
Tennessee:	$1,802

(% of AGI for various income ranges: 1.3% for AGIs below $10k, 1.9% for AGIs $10k-25k, 0.3% for AGIs $25k-50k, 0.4% for AGIs $50k-75k, 0.3% for AGIs $75k-100k, 1.1% for AGIs over 100k)

Taxable dividends: $1,000 (reported on 8.6% of returns)

Here:	$1,000
State:	$3,727

(% of AGI for various income ranges: 0.9% for AGIs below $10k, 0.2% for AGIs $10k-25k, 0.5% for AGIs $25k-50k, 0.4% for AGIs $75k-100k)

Net capital gain/loss: +$8,453 (reported on 7.3% of returns)

Here:	+$8,453
State:	+$15,776

(% of AGI for various income ranges: 0.4% for AGIs $10k-25k, 1.8% for AGIs $25k-50k, 1.6% for AGIs $50k-75k, 8.3% for AGIs over 100k)

Profit/loss from business: +$8,566 (reported on 14.8% of returns)

Here:	+$8,566
State:	+$12,882

(% of AGI for various income ranges: 13.6% for AGIs below $10k, 3.2% for AGIs $10k-25k, 0.4% for AGIs $25k-50k, 5.4% for AGIs $50k-75k, 14.6% for AGIs over 100k)

IRA payment deduction: $2,000 (reported on 1.3% of returns)

37318:	$2,000
Tennessee:	$2,934

Total itemized deductions: $14,140 (21% of AGI, reported on 9.9% of returns)

Here:	$14,140
State:	$18,035

Here:	21.1% of AGI
State:	19.9% of AGI

(% of AGI for various income ranges: 3.4% for AGIs $10k-25k, 3.7% for AGIs $25k-50k, 5.9% for AGIs $50k-75k, 6.2% for AGIs $75k-100k, 5.5% for AGIs over 100k)

Charity contributions deductions: $4,592 (7% of AGI, reported on 8.1% of returns)

Here:	$4,592
State:	$5,167

Here:	6.9% of AGI
State:	5.3% of AGI

(% of AGI for various income ranges: 0.5% for AGIs $10k-25k, 0.8% for AGIs $25k-50k, 1.8% for AGIs $50k-75k, 2.0% for AGIs $75k-100k, 1.8% for AGIs over 100k)

Total tax: $4,022 (reported on 66.4% of returns)

37318:	$4,022
State:	$7,482

(% of AGI for various income ranges: 2.8% for AGIs below $10k, 3.4% for AGIs $10k-25k, 6.7% for AGIs $25k-50k, 8.4% for AGIs $50k-75k, 11.0% for AGIs $75k-100k, 20.8% for AGIs over 100k)

Earned income credit: $1,712 (reported on 24.6% of returns)

Here:	$1,712
State:	$1,826

Percentage of individuals using paid preparers for their 2004 taxes: 67.5%

Here:	67%
State:	60%

(% for various income ranges: 61.1% for AGIs below $10k, 75.4% for AGIs $10k-25k, 64.1% for AGIs $25k-50k, 66.3% for AGIs $50k-75k, 69.6% for AGIs $75k-100k, 73.7% for AGIs over 100k)

Nearest zip codes: 37324, 37375, 37376, 37398, 37330, 37356.
Winchester Zip Code Map

No gay or lesbian households reported

Household received Food Stamps/SNAP in the past 12 months: 199
Household did not receive Food Stamps/SNAP in the past 12 months: 627

Women who had a birth in the past 12 months: 156 (151 now married, 7 unmarried)
Women who did not have a birth in the past 12 months: 379 (239 now married, 140 unmarried)

Housing units in zip code 37318 with a mortgage: 156 (9 second mortgage, 9 both second mortgage and home equity loan)
Median monthly owner costs for units with a mortgage: $991
Median monthly owner costs for units without a mortgage: $456

Residents with income below the poverty level in 2022:
Residents with income below 50% of the poverty level in 2022:

• Zip code 37318 household income distribution in 2022

• 85Less than $10,000
• 36$10,000 to $14,999
• 68$15,000 to $19,999
• 40$20,000 to $24,999
• 71$25,000 to $29,999
• 101$30,000 to $34,999
• 25$35,000 to $39,999
• 23$40,000 to $44,999
• 20$45,000 to $49,999
• 56$50,000 to $59,999
• 95$60,000 to $74,999
• 40$75,000 to $99,999
• 119$100,000 to $124,999
• 11$125,000 to $149,999
• 7$150,000 to $199,999
• 17$200,000 or more

• Estimate of home value of owner-occupied houses/condos in 2022 in zip code 37318

• 4Less than $10,000
• 10$10,000 to $14,999
• 6$15,000 to $19,999
• 15$30,000 to $34,999
• 6$35,000 to $39,999
• 54$40,000 to $49,999
• 15$50,000 to $59,999
• 10$60,000 to $69,999
• 13$70,000 to $79,999
• 21$80,000 to $89,999
• 15$90,000 to $99,999
• 47$100,000 to $124,999
• 9$125,000 to $149,999
• 22$150,000 to $174,999
• 30$175,000 to $199,999
• 46$200,000 to $249,999
• 64$250,000 to $299,999
• 1$500,000 to $749,999
• 4$1,000,000 to $1,499,999

• Rent paid by renters in 2022 in zip code 37318

• 8Less than $100
• 4$100 to $149
• 29$150 to $199
• 7$200 to $249
• 5$250 to $299
• 33$350 to $399
• 9$400 to $449
• 48$450 to $499
• 59$500 to $549
• 18$550 to $599
• 5$600 to $649
• 3$650 to $699
• 23$700 to $749
• 9$750 to $799
• 4$800 to $899
• 28No cash rent

Median gross rent in 2022: $739.

Median price asked for vacant for-sale houses and condos in 2022: $436,905.

Estimated median house (or condo) value in 2022 for:

• White Non-Hispanic householders: $133,982
• Black or African American householders: $120,829
• Asian householders: $417,998
• Two or more races householders: $167,199
• Hispanic or Latino householders: $228,505

Estimated median house or condo value in 2022: $132,645 Lower value quartile - upper value quartile: $60,503 - $236,730

Mean price in 2022:

Detached houses: $217,404

Here:	$217,404
State:	$374,382

Mobile homes: $27,347

Here:	$27,347
State:	$101,421

Housing units in structures:

• One, detached: 646
• One, attached: 4
• Two: 89
• 3 or 4: 10
• 5 to 9: 4
• 20 to 49: 15
• Mobile homes: 162

Unemployment: 6.6%

• Means of transportation to work in zip code 37318

• 68.2%522Drove a car alone
• 23.3%178Carpooled
• 1.3%10Walked
• 5.0%38Worked at home

• Travel time to work (commute) in zip code 37318

• 10Less than 5 minutes
• 675 to 9 minutes
• 8010 to 14 minutes
• 27615 to 19 minutes
• 4420 to 24 minutes
• 2225 to 29 minutes
• 13130 to 34 minutes
• 835 to 39 minutes
• 1440 to 44 minutes
• 1645 to 59 minutes
• 1860 to 89 minutes
• 1990 or more minutes

Percentage of zip code residents living and working in this county: 79.8%

Household type by relationship:

Households: 2,365

• Male householders: 404 (155 living alone), Female householders: 429 (95 living alone)

• 362 spouses (362 opposite-sex spouses), 33 unmarried partners, (33 opposite-sex unmarried partners), 466 children (438 natural, 29 adopted, 0 stepchildren), 61 grandchildren, 15 brothers or sisters, 13 parents, 11 foster children, 476 other relatives, 55 non-relatives

• In group quarters: 24 (-1 institutionalized population)

Size of family households: 265 2-persons, 94 3-persons, 70 4-persons, 34 5-persons, 29 6-persons, 60 7-or-more-persons

Size of nonfamily households: 247 1-person, 22 2-persons, 5 3-persons, 4 4-persons

224 married couples with children.
134 single-parent households (27 men, 107 women).

98.5% of residents of 37318 zip code speak English at home.
0.9% of residents speak Spanish at home (42% very well, 58% not well).
0.1% of residents speak other Indo-European language at home (100% very well).
0.2% of residents speak other language at home (100% very well).

Facilities with environmental interests located in this zip code:

• COWAN ELEMENTARY SCHOOL (501 EAST CUMBERLAND STRE in COWAN, TN)

  (National Center for Education Statistics) - STATE ID-0035
  Organizations: FRANKLIN COUNTY SCHOOL DISTRCT (SCHOOL DISTRICT)
  

• COWAN STP (300 LOONEY ST in COWAN, TN)

  National Pollutant Discharge Elimination System NON-MAJOR (Tracking pollutant discharge elimination systems) - permit
  Business SIC classification: SEWERAGE SYSTEMS
  Organizations: WILLIAM GARNER (CONTACT/OWNER)
  Alternative names: COWAN WWTP

• APAC-TENNESSEE INC (MCMINNVILLE ST in COWAN, TN)

  AIR MINOR (AIRS/AFS)
  Business SIC classification: ASPHALT PAVING MIXTURES AND BLOCKS
  

Housing units lacking complete plumbing facilities: 2.0%
Housing units lacking complete kitchen facilities: 2.0%

Population in 1990: 2,713.

Place of birth for U.S.-born residents:

• This state: 1,646
• Northeast: 20
• Midwest: 244
• South: 352
• West: 55

59% of the 37318 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 67% lived in this county.
   Out of people who lived in different counties, 50% lived in Tennessee.

92% of the 37318 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 29% moved from this county.
   Out of people who lived in different houses, 39% moved from different county within same state.
   Out of people who lived in different houses, 24% moved from different state.
   Out of people who lived in different houses, 13% moved from abroad.

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 46
Students in private schools in grades 9 to 12 (high school): 173 Students in private undergraduate colleges: 15

Top industries in this zip code by the number of employees in 2005:

• Accommodation and Food Services: Full-Service Restaurants (10-19 employees: 1 establishment, 5-9 employees: 1 establishment, 1-4 employees: 1 establishment)
• Other Services (except Public Administration): Religious Organizations (5-9: 1, 1-4: 5)
• Mining: Crushed and Broken Limestone Mining and Quarrying (10-19: 1)
• Other Services (except Public Administration): General Automotive Repair (5-9: 1)
• Health Care and Social Assistance: Residential Mental Health and Substance Abuse Facilities (5-9: 1)
• Real Estate and Rental and Leasing: Home Health Equipment Rental (5-9: 1)

2002 - 2018 National Fire Incident Reporting System (NFIRS) incidents

Based on the data from the years 2002 - 2018 the average number of fire incidents per year is 12. The highest number of fire incidents - 19 took place in 2003, and the least - 5 in 2017. The data has a dropping trend.
When looking into fire subcategories, the most incidents belonged to: Structure Fires (43.0%), and Outside Fires (36.7%).


• Fire incident types reported to NFIRS in Zip Code 37318
• 8943.0%Structure Fires
• 7636.7%Outside Fires
• 3617.4%Mobile Property/Vehicle Fires
• 62.9%Other

See full 2006 National Fire Incident Reporting System statistics for zip code 37318, Tennessee

Most common first names in zip code 37318 among deceased individuals
Name	Count	Lived (average)
James	39	67.7 years
John	30	72.0 years
Mary	26	79.6 years
William	17	75.3 years
Thomas	17	67.7 years
Robert	17	72.8 years
Charles	17	70.1 years
George	9	81.1 years
Raymond	8	74.6 years
Joe	8	75.9 years

Most common last names in zip code 37318 among deceased individuals
Last name	Count	Lived (average)
Smith	24	75.2 years
Garner	17	71.0 years
Hill	14	73.0 years
Miller	13	69.1 years
Gass	12	73.3 years
Morris	12	71.7 years
Williams	12	73.1 years
Davis	11	74.6 years
Jackson	11	81.9 years
Ray	10	74.3 years